I reckon the pads would never wear so fast to be a sudden issue especially given it's the rear axle, probably half the weight and a 10th of the available power to dissipate , as an aside 10 years ago I did have it happen to a skoda estelle which somehow had brake discs incorrectly fitted from a 136 rapid (a Czech porsche 911) and gradually as the overhanging pads touched each other over a few 1000 miles it became more and more prone to locking the rear wheels.