I too have an XP 3.0. At 385 miles, I had to replace the brake pads. There was no more adjusting that would work on them. Yes, they were a bit loud and sounded like metal on metal most of the time, because the pads do have a lot of metal in them. My rotors appeared scored too, from the pads. I found some
replacement pads on Amazon that cost less than $11 for 4 sets. The reviews were good, so I bought them. They were easy to insert and had springs and cotter pin included. So far, they are a huge improvement. Smooth and quiet stopping. We'll see how long they last, but at that price point, who cares?
The other major issue with the rear brakes that I discovered and why I was losing any braking on the rear wheel was that the caliper mounting bracket positions the caliper about 2.70 mm too high on the rotor. This not only applies less pad area to the rotor upon braking, but also allows a lip to form on each pad where eventually you will lose all braking on that wheel because as the rest of the pads wear down, the two lips eventually "kiss" each other over the top of the spinning rotor and prevent further pad pressure against the rotor. I've emailed Lectric support, but I'm not sure what, if anything, they will do about it. I've suggested that they send me a bracket that sits the caliper 2.75 mm lower so no brake pad ridges will form. We'll see. I believe I've read where some riders are milling or maybe grinding the top of the bracket down to prevent the ridge formation, but that would certainly void the warranty.
In fact, I first asked Lectric support why they don't put hydraulic brakes on this since they put them on the trike, but their response was they'd forward my suggestion up the chain, but if I were to put hydraulic brakes on the 3.0, it would void the warranty. So, WARNING: Doing any of this or working on your own bike might void the warranty!
After the warranty expires, I'm considering a dual piston, mechanical brake such as these that I found after much research
: ORIGIN8 BRAKE DISC OR8 VISE II MECH PM MTB:
It might be that the brake pads Lectric is using on the 3.0 have changed from what was on the 2.0. The rotor is larger on the 3.0, moving up from 160 mm to 180 mm. I met a fellow Lectric rider yesterday who has 2400 miles on his 2.0. He said he hasn't had to touch the brakes - even to adjust them. He's about my age and size and just rides around at about 12-13 mph at PAS 2.
My weight adds 180 lb to the bike and I keep it set at a level 2 and use PAS 2 or 3. Okay, sometimes 4 when I'm in a hurry, so an average speed on bike trails of 17-18 mph at PAS 3. I live in Florida and can ride on sidewalks here where there are no bike paths, so more braking for sure than on a bike path.
I'm no engineer, and could be way off on my assessment based on some unknown, scientific reasoning or engineering calculation, but I don't think so. I can only go with common sense and personal experience. Maybe I'm just stubborn at 70 years old, but check out these photos of the pads I replaced on the rear of the bike at 385 miles:
I