Contacts 85/86 would normally be the relay coil terminals. Shorting those ought to blow the fuel pump fuse. I'm surprised you still get ~12V at the pump.
If the fuel pump normally operates intermittently and you were running it continuously for a prolonged period its coil may have burnt out? An Ohmmeter test of the disconnected pump coil should indicate its state.
ChatGPT (probably other AI tools) has a problem in that it cannot reliably tell fact from fiction. It admits it if you ask it. So its responses aren't guaranteed to be accurate.
If the thin wire was part of an individual circuit then yes, that could be the culprit. If it was just one strand of a multi-strand heavy-current cable then no.
I have seen various posts saying that isolation/service valves sometimes weep after use. Are lever-operated shut-off valves for a domestic mains supply any less likely to weep/leak after use? Both types appear to be ball valves, which presumably have similar seals.
I share your concern about the naming of those zones. When some DIYer decides to hang a mirror/picture/cupbord by drilling into what they've heard is a 'safe' zone ........
Why couldn't they have been named 'wiring zones' ?