Your mileage and type of driving is similar to mine - I've got just over 53k miles on my '05 and have a 70 mile round-trip commute with about 85% of it being on suburban interstate. My check pads warning came on about a week ago. As it happens, I had to pull a rear wheel over the weekend - the rear brakes had plenty of meat left on the pads, wearing, but not in need of immediated replacement. As a cross-check, I pulled the opposite front wheel. The front pads did appear to be down close to the 3/32" point, so it seems that it is time for a brake job. I'll be doing both pads and rotors, so I'm not too worried about getting to the metal on the fronts, but expect the work will get done before that occurs.