Pretty normal nowadays with asbestos free brake pads now being used.
I used to be able to get 60k miles front discs using asbestos pads. In that 60k, I would have changed pads twice if not three times.
Now the ratio is almost one disc set for every pad set.
Take a look at my comments re this matter in one of my recent post on the S-type forum. This thread touches on maintenance of my car this year which includes brake overhaul.
http://www.jec.org.uk/forums/viewtopic.php?f=200&t=8040
S-type , X350 and XF all use the DEW 98 floor pan and suspension so much of what you will read is relevant to those three models.
The later S-type and XF has larger diameter brake discs to combat premature disc wear often experienced on early S-types which could be very heavy. Those cars were somewhat "under braked", hence Jaguar increasing front brake diameter by 26mm to improve braking efficiency and disc life.
Braking technique and driving style habits also have an impact of disc and pad life. Personally I try hard not to use my brakes any more often than I really must, especially around town. Foot brake bashing costs in disc and pad life. I resent spending on brakes and make every effort not to waste money on pads and discs. I do most of my own maintenance which helps keep costs down and buying from ebay helps further.
Always buy OE spec discs and pads which one knows are of good quality and are as good as is available. Typically Mintex (original equipment) are easily sourced from internet suppliers and there are some good deals to be had.
My recent costs for replacement brake equipment as follows. Figure includes post and packing.
Front disc set....£50
Front pads...£25
Rear pads.... £18
Mike