For my returns, I have two returns into my tank and each one is attached to a separate pump. I run both pumps at all times. They are redundant so that if one ever fails, the other is still running and giving me half flow. This happened once when my power glitched and one pump started back up but the other errored out during startup. I came home to my tank running half flow off of one pump, which is way better than no flow. My pumps/returns are not T'd together, they are completely separate. I also don't use check valves on my returns. I have siphon break holes on each return and I make sure that my water level in my sump is low enough to handle any excess water draining from the tank when the pumps are shut off.
Btw, an easy way to make sure you won't overflow your sump during a power outage is to fill your main tank and let your sump be filled from the overflowing water as your main tank is filled. Stop filling your main tank when the water level in the sump is topped off. Then, when you turn your pumps you can be sure that the water draining from the main tank can't overflow the sump when the pumps go off.
For heaters, multiple smaller heaters are better than one large one for reasons already mentioned. I find it best to use a controller to turn both/all of the heaters on and off at the same time. I use an InkBird controller that I have set to 82*. I then have my two 300W heaters set to 85-86*. The heaters come on when the InkBird powers them up and turn off when it cuts the power to them. In the event that the InkBird gets stuck on, the heaters internal thermostats will turn off at 85-86*. Again, redundancy is key. I did have the heater on my son's ten gallon tank get stuck on before and the water was 102* the next morning with all of the fish dead, so it does happen. I now have and InkBird controller on every one of my tanks, even the little ten gallon.