Hi All,
If you have all of you electrical appliances connected to a GFI and you are using a ground probe, the GFI should trip before any significant damage is done to your critters.
A broken heater, pump, etc can also put lots of copper into the water via electrolysis.
A ground probe without a GFI does not necessarily prevent electrocution of either you or your fish.
But a broken heater can electrocute you and your fish because it has both a hot and a neutral path.
But whether it does or not depends on the exact path the current takes.
So IMO as a EE, you need:
1 A Circuit Breaker to protect you (somewhat) from Hot To Neutral faults.
2 A GFI, and one or more ground probes for protection from Hot to Ground Faults.
Regards,
Scott