The stock brakes will not fade terribly after a short track session, but that doesn't mean they will be in great shape afterward. Mine looked really bad when I pulled them off after a track day. Big gouges out of the middle and they were grooving my rotors. Anyway, you can get by, but it's not recommended if you are tracking once a month. Of course, any track oriented pad is going to be a compromise, in that you will likely have some more noise and they will often have less bite when cold (I'd say more dust too, but the stock ones are already terrible in that respect), so they are not great to use on the street, especially in a cooler climate. If you're trying to do things on the cheap, I would say at least get some track oriented pads for the front and swap them before a track day. The rears you can probably leave stock depending on your driving style. I would definitely put in some high temp fluid every couple track days (or whenever you notice the pedal is getting soft).