I don’t tow. And my factory brakes were replaced over a decade ago.
I have larger tires than stock on larger wheels than stock. All contribute to a higher moment of inertia.
I want to stop when I hit the brakes. I want to follow someone close and stop shorter than they do. And I want to do this repeatedly without brake fade. I want to hold position on a trail while tilted at a steep angle.
So I know you’re the resident “must have the last word” on here, but I actually have experience with different brake compounds and on several different vehicles: most were street-only vehicles but a couple saw road course driving. A street compound pad could not lock up my race compound tires. And the street compound pads would be worthless after a couple laps. The race compound pad would nearly pull your eyeballs out.
What about ABS? On my Expedition, I’ve only ever activated the ABS in the snow. My better pads, should in theory, activate the ABS in the dry easier. And maybe they would if I pushed the brake pedal harder, but I stop plenty fast without. What I do know is that with “regular” brakes (cuz my factory brakes are long gone) there were times where I was looking for an out (ie jumping up onto the curb, going into the other lane, or making quick peace with rear ending the vehicle in front of me). But with good pads, that doesn’t happen.
What do race compound tires and Laps have to do with an expedition? I clearly stated earlier that they weren't performance vehicles. I have plenty of experience with aftermarket brakes and better compounds on performance or race cars or cruising the street road racing cars too.
You mistake having to have the last word for simply stating my experiences and continue to say them when somebody says there's are different. I'm not trying to change your mind or tell you you're wrong anyway. I said that a lot of people say they feel and improve difference with different pads and they like that feeling. So they are free to do what they want to do. I simply said I've never seen a factory vehicle they didn't have more than adequate brakes.
And no matter what stories or other opinions people share it still doesn't change the fact that I've never driven any Factory vehicle that didn't have more than adequate brakes.
Nothing also will change the fact that the vast majority of SUV owners don't do anything but drive them back and forth to work, get groceries, or transport kids back and forth to school and sporting events. None of this requires anything more than Factory brakes but if people like the feeling they get when they push the pedal then that's their pleasure.
I'm not saying anyone is right or wrong I'm just simply saying, and repeating multiple times, but I don't see the need.
I would also point out again that over 90% of SUV owners probably also don't see the need.
More people put lift kits and larger wheels and tires on their SUVs and trucks then do brake upgrades. I will agree with what you said earlier when you start putting larger wheels and tires oh, at a point, you do get reduced braking ability that is noticeable.
But it's amazing how well they still were considering how much larger than Factory applications you can go. I have had 31, 33, 35, 38.5 , and 44s on various Vehicles over the years. The 44s were on a 79 F350 and I have to say is still had very good brakes.
. 
