As stated above, a GFCI will only trip if there is a current difference between the two prongs of the plug (i.e. more current is going out than coming back.) In this case, it assumes something (like you) is forming an alternate path to ground and shutting off the current so you don't get injured. If there is no alternate ground path, then the GFCi will be quite happy.
If you take the extreme case, you can have a cord with two bare wires at one end and a non-grounded plug at the other end. The current will flow out one wire, though the water, into the other wire and back to the outlet. Assuming there’s not enough current to trip the circuit breaker, the currents in the two legs will match, so the GFCI will be happy. There will be quite a bit of stray voltage in the water and you probably wouldn't want to stick your hand in there, although the GFCI should trip as soon as you form an alternate ground path.
Adding a ground probe gives an alternate path to ground and will cause the GFCI to trip immediately. GFCI’s and ground probes have been debated adnauseum. I won’t get into the GFCI debate, but the arguments against ground probes are:
- They can heat up in the case of a high current situation.
- If you have a fault, the ground probe will cause a GFCI to trip, potentially shutting down your tank while you’re not home.
- If you have a GFCI, they shouldn’t be necessary because the GFCI will protect you
- I’ve read reports associating them with lateral line disease
The arguments for a ground probe are
- It will trip the GFCI before you even have a chance to dip your finger in the tank
- If you have exposed wiring causing a current leak, it could be leaching copper or other chemicals into the tank and a ground probe will alert you to it immediately.
- Stray voltage is associated with lateral line disease
You’ll note the last argument appears both in the for and against sections - that tells you how much actual data there is for it on either side!
There is a lengthy debate on grounding probes
here in which
@Brew12 argues the case for ground probes. Personally, I dont’ have one, primarily because of the concern about it tripping while I’m away, but there are very valid reasons to get one, particularly point #2, so I’ll probalby get one in the future. GFCI should be a no-brainer, IMO.