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Fluid boiling is more likely to seize a system than mechanical failure. Mineral oil also has a lower boiling temp than DOT fluid. So Shimano etc etc. Smaller rotors also dissipate heat slower, so whole system has a higher chance of failing. It's why Vehicles use DOT 5.1
Mechanical disc is still a better option for a tandem.
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Fluid boiling is more likely to seize a system than mechanical failure.
I'm not sure about that, but it doesn't really matter - the brakes no longer work as they are supposed to.
Worth remembering DOT absorbs water from frickn' everywhere meaning that your brake fluid only has to reach the boiling point of water before strange things start to happen.
What difference does that make to the pads?