Fans generally have a MTBF (Mean Time Before Failure or service life) of 50,000-150,000 hrs use.
Pumps generally have a MTBF of @ 50,000 hrs.
Pumps are expected (by the manufacturers/OEMs) to fail first.
Cpus have their own protective systems, used through the motherboard, one of which is the cpu_fan header. If this header detects a low/no rpm signal, the cpu can/will shutdown/refuse to boot to protect itself from possible thermal damage.
Because of this, manufacturers will stipulate the pump goes to the cpu_fan header and the fans/splitter to any other sys_fan header.
Which is next to useless. There will be no control of the pump by the cpu_fan header (pumps are almost always 3 pin DC, the cpu_fan header is only PWM) and the fans...