anyone modify stock sending unit for intank pump?

there is no possible way for a fuel pump to cause a tank to explode, since the pump is sumerged in the fuel there is no oxygen to support a fire; I've replaced pumps on newer chev trucks and to my surprise the pump was all melted where the plastic on it was

When you're running 1/4 or less tank of fuel, is the pump still submerged? Lots of area for fumes in there, and 1 spark...POOF!

I've been told its preferable to keep your FI fuel tank above the 1/2 full mark, as this keeps the pump cool submerged in the fuel. 1/2 tank and below, pump is exposed.