brake upgrades...stop it
in a perfect world, we could all afford an Alcan or Brembo big brake kit. Hell even the aforementioned ceramic pads and what, gas slotted and drilled rotors.
I have been running P29545VR20's in the summer on my ST for 5 seasons.
Yeah, I've gone thru a set of ceramic pads on the stock(turned) rotors. Eventually I did a complete caliper-rotor-pad replacement this summer-rears and a total bleed.
This was due to normal wear and tear and mileage, 82K and counting, and not because I put 20"s on the truck.
I would argue that a 20" wheelset, although much heavier than stock, will more often than not yield a much stickier performance tire with a much larger contact patch. Those factors should offset any braking performance losses...IMHO.
To advise someone that they should consider a brake upgrade because of the larger wheelset is overkill. A simple compound change from stock can significantly increase brake performance, however...
I say, throw the 20's on there, don't forget to lower it. Get a nice aftermarket exhaust-the best seat of the pants and music to your ears mod you can do. Save the money you were told you should consider a brake upgrade with, and get some new performance shocks.
My 02 ST 5 speed manual 4x4 has served me faithfully for 82K. Summer 20's, and winter stock wheels with Nokian snows. Lowered 2" front, 3" rear, Edelblock shocks, Magnaflow exhaust, EE rear sway.
I drive aggressively year round, and have never found the need for more brakes. Now maybe with 100 more horses I would.
Save your money on the brake upgrade. Roll responsibly on the 20's and enjoy the ride...