Alright so I had a chance to take the pads out and get a look... doesn't appear that any of the theories here panned out. I washed the car so the rotors had a nice light layer of rust. Took the pads out and at first glance it looked like the top (outer) part of the pad was making contact and wearing, and the bottom (inner) was not. I reseated them, took them for a spin around the block with some hard braking, and here are the results. That outer band still has rust, which means actuality is the opposite of my impression. The outer half of that pad is not making contact with the rotor at all. Think I'm going to have to take it in to get looked at.