Wrong. Stock pads and fluid WILL NOT hold up to lapping if you’re at all aggressive. I’ve done it on two cars, a relatively light Fiero with carbomet pads that I never had an issue with autocrossing 12+ events a year, and a heavy GTO with very good sized stock brakes. Both of them would have almost no brakes after 5-8 laps and I’d have to come in early.
At a minimum you need a good fluid and a track day rated pad. Unless of course you’re going up there as a poser because track days are suddenly “cool” and plan to just coast around the course. If that’s the case stock will be more than fine, but people will be getting very sick of constantly waiting to get by you.