However, uprated pads on the standard disc can offer some valuble increases in performance, though with pads alone, the gains wont be large.
But for the biggest improvements in braking, then larger discs, or even standard sized discs, but with improved cooling, such as better integral vanes or drilling, along with uprated calipers - are really what is needed.
The two common reason to upgrade your brakes (apart from the looks) are
- Have experienced fluid fade (soft pedal)
- Want better feel
As the only things that can affect actual braking force (assuming the tyres are good enough) are the diameter of the disc, the area of the pistons (both for a mechanical advantage from the pedal) and the coefficient of friction between the disc and the pad; if you are looking to improve on feel and get a little better response, upgrading the brake pads can make a decent difference.
Of coarse the faster you stop your car, the more heat that is generated, which normally leads to fluid fade
If you are upgrading because your current brake set up cannot handle the heat of all your braking (ie track use, or maybe following the upgraded pads

) then you need a larger lump of iron (disc) for a heat sink and/or better cooling to your brakes, and while you are at it, you slap on some bigger calipers as your old ones wont fit properly anyway

It is important to note, that brake pads (especially high performance ones) want to be hot in order to work properly, so cooling your brakes doesn't make them 'better' as such, simply less prone to fluid fade, ideally they want to be kept at just the right temperature. This is also why recommended 'fast road' pads such as DS2500 are a bit of a compromise, as they have to work well enough from cold to be any use on the road where are full race pads like DS3000 sequel like a pig untill you get them warm enough.
Also upgrading the front brakes alone as you point out will always affect the bias, so it is ideal to to
something with the rears, such as match up the pads
So, basically, I agree with you

I just think that pad choice is critical to getting the 'feel' that you desire from any brake set up and now realise that I have rambled on some what
