Thank you very much! You get it. It would be like if Ford sold LED light bulbs and when they failed it took out every appliance in the house! Ford would then say, just replace the bulb every year to avoid the issue because MOST of the time they fail within the first year.
This, as you, and most people understand is NOT a solution, it is, as you say a risk reduction.
If Ford were willing to stand behind this risk reduction and state if the water pump fails after following their recommended maintenance prior to 150K miles they will cover ALL costs related to the failure. It is because they know it SOLVES nothing. It lowers the risk, nothing more.