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I think the bigger problem w/ OEM brakes is pad life sucks, as in you'll probably get a couple weekends out of a set. That gets expensive if you track frequently. Cracking rotors is just the icing on the cake.
get the ducts before any caliper change. you only need a bbk when you start getting fast, really fast. the ducts with the right fluids and pads youll be good to go!
I did both, and have had no issue with rotor cracking since. The pads last about 30% longer and the pedal feel is much better with the accord calipers.