I upgraded Tektro to 105 callipers on my Winter Defy 1. Night and day difference in performance.
Just to satisfy the suggestions usually raised here, I swapped the Tektro pads into the 105 callipers to check this swap the lads first attitude.
Basically, the 105 callipers and pads are worlds apart from the Tektro. 105 callipers with Tektro pads are not as good as the 105 full setup, but are still way better than the full Tektro setup.
On that basis, simply swapping pads only and retaining the Tektro callipers, does not compare in the slightest to 105 callipers and pads.
The real question is, just how much more braking do you need. If you are tackling fast speeds and/or some seeios descents, then calliper and pad upgrade is definitely the way to go. If you just want a slight braking improvement, then consider pads only.
The main assumption being that you have the same model of Tektro presently. They do actually make some decent callipers, further up the range.