I have a brake question maybe someone can answer?

Well i measured the pad on the rears and i have about 1/4 inch left of less. I figure i should replace them and do the front a bit later as i have more on those.

I read that the rear are easier then the front? Well i have 106,000 miles and was reading that i should replace the front rotors after 2 pad changes and i am there now. But the rear disc has never been replaced. I read somewhere they dont need to be replaced until the second pad change? Is that true?

So for the rear brakes:

I have to knock the pins out slowly so the spring comes out....i never looked at the rear brakes before...so do i knock them out with a punch from the front or from the back? When i am facing the wheel i call that the front orientation.

I got this from volvospeed:( the instructions are for a XC and i dont have a XC but they are probably the same as S70 GLT?)

After the hold down spring on the front of the caliper is off, move around to the back and remove the rubber caps for the slide pins. (Green arrows) Once the rubber caps are off a hex head socket will get the slide pins out. After the slide pins are out pull the caliper off and remove the old pads.

This sounds like i knock the pins out slowly from the front and go to the back to remove the rubber caps? Then it says to use a hex head socket to get out the slide pins? i use it to pop the pins out by pushing by hand right?

Then i assume once the pads are back in you can easily put the hold down spring in place and put one of the pins in then try to punch the last pin in to finish?
Any trick to putting the last pin in?

Also are there any other better pictures of the rear brake job? The images on volvospeed are kind of hard to see detail.

Andrew