Its normally not much of an issue, the parts are rather easy to change if they go bad. If they start failing and you don't fix them, they WILL become an annoyance, since for a while it'll drive normally with spurts of not being able to disengage the clutch. Not being able to shift can be annoying.
From what I've heard Getrag hydraulics can be troublesome. I had the slave cylinder go bad on my '86 SE with the Muncie 4-speed, so I had it and the master cylinder replaced for extra insurance. Its been working fine ever since (about a year now). Because of that, I would reccommend the Muncie 4-speeds, they seem to work pretty well.
To answer your questions:
1. I haven't heard of any Fieros that are constantly needing the master/slave replaced. You hear about it often enough because there are many of these cars on the road, and the master/slave will fail at least once in the life of the car. They go bad due to wear and tear... you use them enough and the seals go bad and start leaking air into the system or leaking hydraulic fluid out of the system. That's just how they are, you can't really make them more reliable.
2. No. Every time you push the clutch in you wear the master and slave. Unless you can figure out a way to not need to push in the clutch, you won't be helping any. You could possibly try to shift without the clutch...but that brings in the possibilities of damaging other areas of the car, such as the internals of the transmission. At stop lights you want to sit in neutral with the pedal out. With the pedal in you're exerting pressure on the system anyways, and if you're holding it in you're wearing out the throw-out bearing. Personally, I'd rather replace the clutch master/slave than the TOB.
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