So as of yesterday, I'm hearing a metal on metal grinding noise coming from the front passenger side wheel well. I sounds like it's only happening when there's load on the tire/spring.

It's hard to explain exactly how it sounds, but thing a piece of metal spinning on a lathe and you touch something else metal to it. There's no marring on the rotors though and my brake pads are probably at 20-25%

 

may be your wheel bearing / hub.

but im not sure.

try jacking the car up in the front and moving the tire/rim back and forth and around and see if there is any play, if there is... could be your wheel bearing/hub

 

will do, thx

 

also check the inside brake pad not just the outer pad. you need to pull the wheel off to check the inner pad.

 

I vote for the brake, too. Wheel bearing failure on the front is less common.