I've had 4 fuel pumps fail (I generally keep my vehicles until the 200k mark) on vehicles ranging from Ford to GM to Chrysler. They've failed while moving, sitting at a light to simply not starting one day. None of these failures gave any warning whatsoever. I admit I've never checked the pressure at the fuel rail, so I can't comment on that, but in each case they ran perfectly up until the moment of failure.
If your vehicle has more than 100k on the od, it may be a good idea to change out the pump. You'll probably spend a little less than you would being at the mercy of whoever you get on the road, and you certainly won't be stranded.
Whatever you do, buy a good quality pump, don't skimp! The price to replace is all in the labor. I've never had the fortune of having a vehicle where I didn't have to drop the tank to replace the pump.
I've also heard that if you don't run the tank empty you'll extend the life of the pump.
