Due to the tapered shape of the OEM brake pads for the front brakes, as the pads wear down, they begin to produce excess heat. This leads to brake fade that comes in quicker and is more pronounced.
So assuming you are running the OEM parts for the brakes, you will begin to notice increased brake fade as the pads wear.
If you want something more concrete, you can actually inspect the pad thickness yourself. The minimum pad lining thicknesses are as followed:
Front brakes
Minimum Pad Lining Thickness: .118 inches
Rear Brakes
Minimum Pad Lining Thickness: .787 inches
To check them, you can get a pretty good idea of the thickness simply by getting the wheels off and taking a look at them. I found that it helps to use a scribe (I think that's what it's called, it's basically two arms with a hinge allowing movement along one axis) to get the thickness, and then put the scribe up against a ruler with a high level of precision.
More then anything, you will notice a lowering in brake effectiveness and increased brake squeal before you get catastrophic failure.
Though it is not recommended by anymeans, you could technically still stop after wearing through the pad lining. But since it would be basically steel against steel, it wouldn't be very effective, but would still be enough to stop under most situations.
I had a friend who's Lumina did such a thing, and about the only thing that went wrong was the need to replce the rotors as well.
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