If you search you will find that there has been a lot of debate, even some heated debate about this subject. Some who claim to be electrical experts or electrical engineers will say that stray current will cause no harm to fish; it’s like a bird sitting on a power line. Others who also claim to be electrical experts/ engineers say that stray current will eventually kill fish, so really all I can offer you is my experience and let you figure it out for yourself.
When I first set up my tank, I had a yellow tang that was doing great, then start to getting sick. Turned out he had HLLE. He was eating well, and I was keeping up on water changes so feeding and water quality was not an issue. I had heard of stray currant and decided to test my tank, turns out I had about 12v in the tank. I started unplugging equipment one piece at a time, half of the volts came from my heater, the other half from a power head. I went out and bought a ground rod for the tank and retested. I could detect any stray currant in the tank. Within one day, the tangs red color had gone away, his bright yellow color returned and within a week his fins were healed.
So, in my experience, yes the ground rod is necessary.
Now you ask a good question, in a tank with a sump I would imagine that you would want to put the ground probe in the sump, seeing is that is where all your equipment is i.e. heater, skimmer and return pump. But it might not be a bad idea to put one in the main tank to catch any strange volts from power heads .