Phew the shop found it was the whole shebang, my adjusting the brake wire had the effect of making the caliper stick on closing and ruined the caliper, front brake pads shot, brake cable and housing needed to be replaced. Rad said wear and tear so not covered under warranty, but the shop discounted parts and labor so $100 to repair. Given the excessive wear (they also recommended rear pads be replaced) I expect moving forward I should replace the brake pads every 3 months.