No apology needed. I might be wasting your time on brakes. I’d probably address and look over the brakes anyway even if I was sure it’s the bearings. so it’s no time loss to address the brakes first and I might diagnose or avoid bearings by doing so.
Bearings usually are a low growl that disappears around very sharp turns (usually only one direction right or left, not both) at speed, and brakes more high pitched squeal. But they can vary and overlap symptoms too.
That inner pad is even low enough I wonder if it could be noisy depending on quality and what the other side of the pad looks like we can’t see - maybe it’s warn even more on the side opppsote the photo?
That’s not uncommon for the inner brake pad to wear more than the outer, but that is an excessive difference in thickness. I’d see if the pins are hanging, pin bushing condition, and pad movement in clips.
It’s rarely the calipers, like almost never. Not impossible, but I’ve only seen one Subaru caliper failure and about 50 pin, bushing, clip, rotor rust, bent backing plate issues.. I’d be surprised if it’s the caliper and wouldnt suspect it until I rule out other things first.