@rcd I think whilst you never take any risks with brakes - brakes are the number one priority (brakes includes tyres) - the situation might not be as bad as some think - but then again it might be, very difficult to tell from a brief text description. Lots of detailed, well taken high definition photos and a video with audio for the noise might tell more, or might not.
My wife's 2015 Fabia has a slight scraping of pads on discs that I sometimes hear when I'm not being annoyed by all the other strange noises from the engine bay as the computers seem to be doing as they please. When I changed the front pads and discs I hoped that'd be the end of it but no it returned. Perhaps it's the slide pins I didn't replace or something else (not backplates).
Another thought is perhaps there's some sand/stone type grit caught somewhere and perhaps a sensible high pressure rinse might flush it out, care with the use of wet brakes of course. (ETA: Gaz beat me to it)
Wheel bearings are usually more a constant rumble, hoarsey-roar type sound, sad to think an eight year old car would need them replacing but apparently they can do, like the dampers, springs, engine bits and brakes, so much for 'German engineering'.
It may be that you'd want to change the discs as well as the pads, depends on their condition of course. (ETA: as you've noticed)
Never put too much faith in an MoT pass (nice though they are to have) do bear in mind an MoT is just a statutory test for the car to meet a minimum standard, taken at one point in time to one trained person's point of view, it doesn't mean the car is as good as it could or should be and the car could potentially fail the same test the next day or even from driving away.
I'm sure tomorrow's service with highlight any seen issues. 😄
Good luck.