"The pumps do not fail every 3
"The pumps do not fail every 3-5 years, but they do eventually fail; the question is "when"? It is up to you if you do it now or if you wait. Personally, I would wait if there are no signs of the pump being faulty. But again, if yo want to feel safe, you can always carry a spare with you and/or replace your current pump now. Personally, I think it is more important to have a spare impeller and seal for the raw water pump (or a complete raw water pump) than having a spare circulating pump. You can normally make it to port with a leaky circulating pump, but if you have a raw water pump with a broken impeller that's a different story.
FWIW, I carry onboard a spare impeller for my engine's raw water pump, but no spare circulating pump (however, my engine has a fresh water cooling system, AKA "closed cooling system")."