If possible take a pic of the rotor roughness. That will help with the diagnosis.
Things to consider:
How worn are the pads?
Is the wear even?
What is the pad material, ie: ceramic, metallic, organic?
Have you checked the run out of the rotor? (look for a high spot)
Does the brake pedal pulsate?
Is there a difference going in reverse vs forward?

Other philosophical issue:
Why do these problems wait till the hottest (or coldest) day of the year to occur?

Look - if the brakes are dragging you have already damaged the rotor, so 'no foul' if you wait a day or so till it cools down. BTW as the pads wear out & metal on metal starts to occur, it will sound uneven, kind of like high spots due to the variance in surface hardness of the rotor as it eats away. When you do get the wheel off, check the bearing run out and overall condition of the hub bearing (looseness, roughness, surface corrosion on the mating surface of the hub, etc)

You didn't state any info about your jeep, but that's OK. Most quality jeep rotors & pads can be very reasonable online from Rock Auto (look for the discount code - 5% off for XJTalk members) or from Amazon (good deals here also). I can usually do a 4 wheel pads & rotor job using quality ceramic pads & quality rotors for about 100-120 in parts from RA. Hub & bearing assembly adds a little more (don't forget to replace the three bolts) to the job.

Good luck & keep us posted - photos are a nice addition.