Formula - you can take care of both your bearings and your front disk brakes at the same time. There are quite a few options for 5 lug disk brake solutions. Options for dropping the front end with a stock axle are limited to removing a couple of leafs or going with a mono leaf - you can only go so low before the axle starts beating on the bottom of the frame. . . still, only a little lower and you get the right look with the right tires and straight axle.