Andrew, thanks. I should have known the difference between pads and calipers because I have changed the brakes on my car a few times. Duh. I do know that car pads rub the rotor the whole time, but I don't have a 180hp engine or the radio to cover up that sound. It's just really annoying.

I'm going to look through YouTube for some visuals. I don't mind prying off the pads on the car with a big screwdriver but doing the same to my little 'ole bike? Maybe not so much.