[Gorp]

I've had good luck with Napa pads, but another pad might just do the trick for you.
My wife's '06 Subaru makes the same kind of noises you describe. Once scrubbed, the brakes sound normal.
In some cases, I've found that pads from the dealer were the best remedy.

 

[Gorp]

I went through a nightmare of a problem with the rear disks on my '00 GMC Sierra last year.
The calipers were dragging heating up the rotor something fierce. Both rear calipers would take turns dragging and sometimes both.
I eventually replaced both rear calipers with Napa loaded calipers and the problem went away.
If your calipers are dragging the pads, the rotors will definately get hot.
Based on what you're saying, I don't think this is your problem.