I've always found the inner side wears quicker.
oh bugger, thats probably where the low, raw, binding sound is from when i brake. Ive seen lots of pad on the outside, and not bothered to take the wheel off to check properly. So looks like ibe getting new disks

as for bearings, you'll either have to take out the old ones to put in the new disks, or buy new one. For a tenner each and *alot* less hassle, buy new.