I have seen some vendors selling 24 VAC transformers to power up swimming pool lights that are submerged in the water. These lights also work with DC but I think transformers are being considered safer by the vendor. Lights shown below for reference:
These are typically electrically insulated but thermally conductive to dissipate heat using the pool water. Many of these even thermally shut down if operated outside water.
I want to understand if an SMPS is a safe alternative to a transformer, for such applications? Something like this:
Please note that the transformer or SMPS will not be submerged in the water. These will be installed in a dry ventilated space.
My question is: Is SMPS safe (from a shock hazard point of view) to power up such light fixtures if it works, considering the worst that could happen - light fixture losing insulation and DC wires getting exposed, an electrical fault on the primary side of PSU such as surges, over-voltages, wire disconnects, etc?
There are two reasons that I find concerning. Not sure if it should be a reason to worry or not:
Can the transformers in these power supplies fail causing any input/output short leading to a high voltage, causing shock to a person touching those submerged lights?
Usually these power supplies use a Y capacitor across primary and secondary. Can it fail and lead to a shock if someone touches the submerged lights?
Considering the above points, is a typical AC step-down transformer safer than these power supplies? Or can I expect a SMPS from a reputed brand like Meanwell/Osram to be equally safe?