What's pretty warped? If the are just going from one side of the gap between the pads to the other, then that's probably not enough to call them warped for me.
I've not had a rotor scrub hard enough on the pads to be an issue for riding. I have had them sometimes make a harmonic noise when I'm moving my bike around at home. But that doesn't mean they need any fussing with.
Yes you do need to keep your bolts tight on the rotors or the center lock if you have that. I recently found my rear lock ring on my center lock disc's a little loose and tightening that up fixed some funny noises I was hearing while riding that I wouldn't have identified with brakes.