It's a bit hard to diagnose without seeing what the "wear" looks like Dafydd
But I'd hazzard a guess that the "unbalanced" wheel isn't the culprit
An unbalanced wheel is more likely to show an odd wear pattern on the tyre
Check that the wheel is in correctly and not missing any spacers or shims
But I'm afraid whatever the "cause" of your disc wear, you'll have to replace it & the pads once you've found out what it is
But you should be able to find a serviceable disc from a breaker, either in person, or on ebay at a sensible price
Pads are not very expensive these days unless you "want" to spend a fortune
As you said in your other post that you don't ride hard, you wont need "racing" quality pads which tend to be more expensive
No point replacing them yet as they will probably only suffer the same fate
Firstly get the wheel balanced
Most tyre fitting places will balance a "loose" wheel for a fiver while you wait
If you cant see anything "obviously" wrong with the way the wheel is fitted when you come to take it out for balancing then fit another disc & new pads & "monitor" the wear
It could be that the disc is getting through it's hard skin and is now into the softer part of the disc
Is it close to, or past, it's "wear limit"
You can find out what the "minimum" thickness is from a Haynes
(or other workshop manual )
Post some pictures of the wheel/disc in your profile then we can have a look and might be able to help you further
Which bike is it happening to