My brakes felt and sounded like the pads were spent. Sounded like metal on metal. Looking at the disk, I see a few stripes on it, looks like the outside pad is worn. After taking the caliper off, the pad has a good 1/8" of life left in it. The disk was rubbing against the caliper carrier. The part that doesn't move!
The big nut on the end of the axle was loose. I'm thinking, this gave it the freedom to move around, but when the wheel is tightened with the four lugs against the hub, does it matter if the axle nut is loose? Does that big nut hold the hub in place?