Hey, it is not just the dealers, all the shops are getting way expensive, the independent Rover/Jag. shop I use is charging $110 an hour and the dealer is $120.
Anyway, at your mileage, without even measuring them, I can tell you your rotors are undersized. If you were going to do it right, I would suggest you go to Atlantic British or Rovers North and buy yourself one of the rotor/pads combinations and change them out. Remember, you get what you pay for, don't buy the cheaper pads, they are noisey, dusty and they don't stop as well.
When I did mine I wanted more stopping power and went to DBA, slotted and drilled rotors with kevlar pad, hugh difference in stopping power.
If you do the pads you only need a couple sockets or open end wrenches a pair of channel locks, and a impact driver with a philips head. Which ever way you go make sure you buy 3 pints of DOT 4 brake fluid so you can flush the brakes afterwards.
If you decide to do them buy the stuff and get back to me, I'll walk you through it.
By the way Atlantic British is having a sale on pads and rotors right now.
Mike J.