Pretty simple job - about an hour. You just remove one bolt, at the bottom of the caliper, and flip it up out of the way. Pay CAREFUL attention to the various shims, how they are oriented, and how they should be greased and all. Thomason Subaru (great guys) sold me a kit for about $50 that included the pads, new shims, and even little packets of the correct grease.
Of course you have to retract the piston so the caliper will fit back over the new pads. I was able to do this with my fingers. You must remove fluid from the reservoir else it will overflow. I just do it in conjunction with my annual brake fluid flush (very easy with one-way bleeder valves from
Needless to say, don't do this yourself unless you're SURE you can do it right !
John