The part of the pad that was rubbing against the hat was the little stainless steel tabs from the shim that's attached to the backing plate. They glided smoothly and quietly over the hat. It's kinda interesting to see that those tabs are ever so slightly worn out now, right where they were making contact. And there's enough compliance in the sliding pins that the caliper fit right on with no effort. The downward force on the hat was only being applied while braking, when the caliper was trying to straighten out as pressure was applied to the pads.I thought for awhile you were using "NBS" pads but misspelled it. (I really despise that abbreviation!) Had to research NRS.
Yup, one way or another, you bought the wrong pads. How were they not dragging on the rotor when you installed the caliper, yet they dragged enough in use to gouge the "hat"?