I had a design, built by someone else that used extremely small test pads like this. I needed to have the pad constantly hooked up to an oscilloscope, so I needed a permanent wire attached to the pad.
I found that it was VERY EASY to rip the pad off and kill a board when soldering a wire to it.
What I found is using a 30 gauge magnet wire (yes, you have to tin both sides) you can solder on to the pad, and it isn't so heavy to rip away at the pad.
To prevent ripping off the pad as your wire bends around, if you have it connected to a scope or something else, was to put a dab of hot glue on top of the wire. The hot glue isolates the wire from bending and flexing, so you aren't pulling at the pad.
I learned this the hard way killing many boards, while testing this design.
IMO: if you think you need a test point, consider a thru-hole first.