If you don't have a GFCI, it won't trip if something leaks current into the tank.
If you don't have a ground probe, it won't affect the inhabitants as the current has nowhere to go, unless you ground it with your body.
In either case, look into protecting yourself with at the minimum of a GFCI for the whole tank.
I run 13 of them because I want each piece of hardware covered individually without tripping the whole tank.
And I have a ground probe in both my skimmer and return chambers.
Later. BBQ and Beers
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