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A squeek does NOT always mean it is time to change your pads. Sometimes it is just a squeek due to vibration (especially with Volvos) You do not have to take anything apart to see if your rotors are worn. Just stick your fingers in there and feel them. Running a finger from the center of the brake surface to the out side they should be smooth. If they have ridges they are worn and will require attention soon. I have in the past just put new pads on even though my rotors were worn and my brakes still worked fine. There is a safety factor designed into car parts so that they will work if neglected. You should not need to bleed anything to change your pads. YOu should be able to determine if your pads are worn by looking at them while they are still on the car, just crawl under there and look. If one pad is more worn than it's counterpart you may need a new caliper. At that point you may want to drive it to a brake place and have them deal with it. If you want to do it yourself it is not hard to do a caliper replacement.
My advice - go buy a hanes or chilton manual and read about brakes. If it sounds too hard get someone else to do it. If nothing you will be more informed when you take your car in.
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