I used to get the same problem from time to time on my old Audi A5 but it has not happened (yet) on my X3.
The problem was exactly as described - a stone caught up in the works. On my A5, it used to happen when a stone got caught between the brake disk and the large plate that surrounds the back of the brake disk as a protector. There is enough flexibility in this plate for a stone to get caught in there. Please note that this means the stone is not in the gap between the disk and the pads.
By putting the car in reverse and giving it a bit it welly - the stone is able to work its way out the way it came in.
I wouldn't worry about it myself as I have had this so many times before
Cheers
P
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