I've never heard of a fuel pump overheating. They just don't generate that kind of heat. Think about it. It's in a tank of flammable liquid. Even when it's empty that tank is still full of flammable gas which is even more volatile.
Vehicles exploding is not something manufacturers want to be responsible for. No, you're just going to run out of gas and the fuel pump will stop running when the engine does. The gunk is really the only thing to worry about. And getting stuck in the middle of nowhere of course.
Linda S