> Most gas tanks are pretty wide and flat and fuel pumps tend to be built "vertically", so 1 gallon fuel left of 14-16 gal will not cover/cool all that much surface area of the fuel pump.
Its intended to operate safely and efficiently at a level equal to or above the fuel reserve.
If it didn't, they would fail frequently in many cars as most people drive it pretty close to E regularly and you'd have in warranty repairs.