Hi John, I come in peace, to talk about pumps...
What you say also holds true for external pumps. For every story about submersibles locking up, there are plenty of stories of bad seals on external pumps and people having water damage as a result. It would be impossible to determine which pump will last longer in this thread. I know of Reeflos and Lagunas that have been running for many many years without any problems.
Unfortunately, I've had 4 Reeflo pumps (2 Hammerheads and 2 Super Dart Golds) with seals that leaked right out of the box (drip, drip, drip from where the shaft enters the impeller chamber), so I personally prefer submersibles these days...specifically, Lagunas. At least with a submersible, you don't have to replace the seals every few years and you don't risk water damage.
In regards to their efficiency, are you saying that Laguna embellishes their performance figures and Reeflo cuts themselves short?
Customer Service goes to Reeflo hands down (they treat customers right) and I've never even dealt with Laguna customer service. But the reason I know the customer service at Reeflo is awesome is because I had to deal with them for several months due to leaking pumps they had sent me. Take a guess why I have no idea whether or not Laguna's customer service is any good?
...That's right