PTRider
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I disagree that one is "supposed" to use both brakes. On slippery surfaces, yes. On dry pavement, not so much. The front has all the braking you can use, although using the rear a bit might help a shorter panic stop.
In the middle of a panic stop is no time to be fiddling with the shifter. Brake, keep straight, and balance. If you were taught to downshift during a panic stop, reconsider the wisdom of that.
To de-squeak the disc brake, remove the pads, clean the rust off the steel plate, very lightly sandpaper the friction surface perfectly flat (put fine sandpaper on a flat surface and lightly rub the pad across the sandpaper), and put disc brake caliper grease or no-squeak stuff very sparingly on the points of contact between the backing plate and the caliper. You don't need new pads if they still have adequate friction material.
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