This is a very common topic, covered in detail.
Stock pads and fluid will overheat once you're past a certain level - and it's not a particularly high level.
Selecting pads for your skill level, tire, setup, etc. is the requirement. And use brake fluid for the purpose (plus regular attention).
A BBK is not required, but at some point will help you manage costs - better at dealing with heat, and more consistent, etc.