With my above thoughts, I believe that a certain amount of natural heat would be generated at higher air temps (upper 80 through the 90’s) transferring the road temps to the tires/wheels. It could be warm enough to feel on the hand, but still not enough heat to make the palm resist the temps of the rims while being touched for a minute or more. Am I off track?.
Denny,you are only slightly “off track” any type of rotor/caliper combination,( disc brakes ) has an inherit drag to it and heres why,the only way a caliper in good working order has a way to retract when the brake is released is by the square sealing ring that seals the brake fluid between the caliper piston and its bore,when the brake is applied,the piston is forced out clamping the pads against the rotor,when pressure is released,the ring ever so slightly pulls the piston back,maybe only a couple of thousands of an inch,just enough to let the rotor spin,and this slight amount of drag between the pads and rotor generates heat and is normal.
if you were to pry the caliper back to create less drag,the brakes on first application wont be as good because the piston and pads are not where they are supposed to be,and the drag would return when the caliper gets back to where it belongs,the rest as you mentioned,is due to road heat,and ambient air temps,along with normal frictions as designed.
now,when there is a problem,rust,collapsed hose,seized piston,stuck pins,etc,the caliper cant release,brakes stay applied,massive heat build up,and warped rotors follows.its a good idea on these types of brakes on trailers that get submerged to pull the caliper slide pins out and lube them with marine grease once a year, an easy job,and only takes about ten minutes a side,and grease is cheap. if you have the old style drums and shoes,different animal all together.