I don't think I have ever worried about a top failure. Yes a line could bust but the motor would slow down rather than just quit so you should have some notice if it is slowing down. Last year I changed the pump for the first time in my 65 Catalina that's 45 years without a problem. I also changed the pump in my 70 GTO it was 40 years old and still going but cylinders were leaking and it was slowing down so I changed them both out along with the pump.
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