Well, I tried to replace my front pads last night, with limited success (no pun intended).
1) Wheels were somewhat frozen to the hubs - took several minutes of pounding on them with a 3lb hammer to break them free (just hitting the rubber).
2) Anti-Rattle-pins came out fairly easily, pads were easy to slide out.
3) Discovered that the inner lower pistons are frozen in the calipers! One side I was able to break the rust with a c-clamp to push the piston back in. The other side, not a chance. Non-frozen pistons are very easy to push in (could do it with the tire iron with almost no effort).
So, now one side has new pads and the other side has the old set. I'll have to take her into the shop and take advantage of the extended warranty I bought to get new calipers, which I hope they replace in pairs.
I'm sure I'll be told to put new rotors on too - might just do that to have everything new.
It is an easy job, by the way. If I hadn't tried to do it myself I wouldn't have learned about how they worked, or had the fun of getting my hands a little dirty - plus now I'm educated about my brakes and will understand more about what the shop guy tells me..