People complain how much a garage charge for changing pads, but when you consider removing carrier to clean of rust, slide pins to clean and re-grease, caliper clean then refit this takes a little longer than someone at home sliding two pads out and two pads in.
Also when peoples calipers start to stick, there is a reason for this as in damp has got through a damaged dust seal and rusted/pitted piston, either replace piston and seals or replace caliper as freeing it up will only give you a little time before you have to replace/repair.
there are even companies that can repair and refurbish your calipers for you if they are horrendously expensive to replace. after all folks one day when you really need them to do there thing, you want them to work 100%.