Bad fuel

My question? One guy tells me i need to drop tank and put in new pump. Another mechanic says pump ok if code light not coming on because if pump damaged it would not pump correct pressure and code light would show.

Buy a fuel pressure gauge and see what your pump is really doing. Just a gauge with a hose and a valve that screws onto a valve in your fuel rail. If within spec's you're good to go.

Pumps can fail anytime but replacing one because of what might happen is like pulling a tooth because it might go bad someday.

Gas station has big problem if rain leaks into their tanks. That would also mean gas could leak out during dry season.

Good idea carrying a spare filter.