Also
If OEM pads, check you have the correct pair on the rear. They have a notch in the tab end, which matches the ridge in the chrome retainer which clips onto the caliper bracket.
Check that the front pads aren't binding slightly. This will cause the rear pads to drag.
Check the 3 hole caliper linkage behind the left hand shroud. It needs to be able to pivot freely. It has needle roller bearing in there. Out of sight, it is easy to forget about.
Have you attempted to fit the white heat shields that come with Oem rear pads, to the front pads? There isn't room. The front pads will drag, which with cbs causes the rear brake to be applied.
Have you checked the rear caliper slider pins ( different from the pin that keeps the pads in place). They need to be smooth and shiny, and the rubber boots need to be intact and properly seated in the caliper and bracket ( one on each ). They need a smear of rubber or silicone grease. Dont put too much grease on the caliper slider pins. A lot will cause air pressure to move the pads towards the brake disc.
Make sure the pad springs are the correct way round. Wider strip closest to the pistons. Also check the inside pad is on the correct side of the two small tags that stick up on the narrow strip.
Search ST1300 articles for '
Avoiding the Pitfalls'. Yes I know you have an ST1100, but everything in that article applies to the ST1100 with combined braking, and the photos in there of the rear caliper are all relevant. The only significant difference is in the design of the SMC, which on the 1100 is a separate unit, downward facing which rarely suffers the same problems as the 1300 design. The rear caliper is a very similar design on the 1100 and 1300.
Fluid up to the max fill line is correct for new pads. Brim full is too much. If you have fluid below the max line when the pads are new, you run the risk of it being emptied as the pads wear down.