I have so far gotten away with pumping the piston out as far as I dare - about to the worn out pads position then cleaning with wd40 and a toothbrush, then pushing the piston back in with a vise or g clamp with soft jaws ( couple of bits of firewood) a few times if the brakes play up, plus greasing the swinging pivot etc. A modest ammout of copper grease over stuff to keep the rust at bay afterwards, remembering that any excess travelling to the pad surface would mean not very much brakes! And very often that is enough I found, at least on my bikes which were all weather commuters. Being a tad cautious, I leave further and more involved medling with brakes to a pro, but in 15 years only my wifes 250 nighthawk has needed more than the described treatment, most of those years, on my venerable cb500/4 sidecar outfit wherd this was needed every 6 months or so.