BigRondo,
Assuming that you all looked at the whole assembly carefully and did not see any rub marks, I'm thinking calipers. Most newer vehicles has phenolic (plastic) pistons in the calipers. They seem to hold dirt / debris easier than the metal pistons. If they are originals they may have distorted some and are slow to retract. Remember, it's the square 0-ring in the bore that pulls the piston back. So if slightly distorted piston it'll be more difficult to retract and it'll be slower also. Try replacing caliper.
BTW, my 03 uses organic pads not semi-metallic (I believe it was stock from factory). I know the books at O'Reily's etc, show organic, semi-metallic and ceramic. Semi-metallic makes too much dust. I'm not too keen on ceramics, since I helped a friend do front brakes on 02 F150 truck and in 2 months of city driving (San Francisco) the rotors warped. Too much heat. So new rotors and back to semi-metallic all is well and is now been 2 years.