The nut that secures the caliper adjuster screw/spring had worked loose (or maybe I never tightened it) and the caliper wasnt lined up to the disc anymore.  The outside pad had also acquired a bunch of FOD and it was sticking in the bore too.  I havent ridden it yet, but I wasnt able to replicate the noise rolling it in the garage like before so I think thats it.
Its always the little things...
Now if I could get the brakes to stop squealing, that'd be nice.