While this thread ended a few months ago, I don't think the proverbial nail was quite struck on the head. I think MtB's suggestion is most likely, and in addition, most of the calorifier's water is actually back draining into the cold water tank due to air ingress at the small leak point (at one of the higher level fittings or a tap) Many boats don't have an NRV at the inlet to the colorifier and many more will pass back anyway due to wear or debris. Same with the pump.