Hi Karl
i will try. i'm not the best typist so forgive the short points - its just quicker
the caliper is a fixed(point)item to the upright and can't move.
the disc fits in the caliper aperture and there are tolerances and typically there will be sufficient space between rotor/disc and caliper.
if the caliper is touching the dic there is something fundamentally wrong.[
the pads will self centre /adjust with use. we can see this with the caliper pistons clamping the pads.
this will also happen if one caliper piston is seized the other will carry on the pressure and wear out.
but if the error is in the hub or disc (rotor) a poorly seated hub ( as in my case when fitting ali hubs and uprated stub axle) the disc can run out of true/alignment.
this is what happens when bearings break down ( as look like yours did) ) outside bearing ?? looks to have failed and got hot.
extreme cases see the disc / wheel wobble, lock up or fall off.
this is because the stub axle is also fixed to the same upright as the caliper so these are rigid to each other.
the hub spins, yes so not fixed but also has felt backing to the bearings, the bearings themselves, end float- where you do the stub axle nut up tight so the wheel doesn't spin then back it off a little so it does and that you can get the split or cotter pin in.
the simple test for bearings is to have the wheel off the ground and grab hold of the top and bottom of the wheel and try and rock it. if it does and you would feel/hear it you need to tighten it a little more. do this check regularly.
if you have to keep doing this and tightening, the bearings are on the way out.
hope the pics help
and i haven't insulted you intelligence as i am sure you know this already.
but as i say i fitted new hubs and ran into problems.
it was part of an upgrade on my 3a to 4a spec suspension so i have camber and castor now.
and i run the wheels parallel no toe in or out.
hope this helps ?
H