I'm on my phone right now but in the morning I'll get a picture. I have each pump on a different circuit. I have 6 outlets per circuit. My pond is 75' from my house so I had to run electric to the pond. I also ran a water line to my pond. Ran that in 1/2" pvc pipe.
Circuit breakers will only handle 80% load before they trip. That's just how they are made. Your electrical buy wouldn't tell you to use 12-3 because they won't make as much money. 12-3 is 2 power wires, a neutral and a ground. You can get by in a pinch for short term using 12-2 for 2 circuits by using the neutral as a power, and ground as your neutral and your ground. The neutral and ground go to the same bar in your panel or they are 2 different bars but both bonded to panel. The latter option is not code and not recommend for long term use.
The H-depot guy does not recommend the 12/3 underground. This what he said:
"If you run a 12/3 it is connected to 2 breakers in the panel" If you ever get a leak or damage and the 2 hot wires touch, your whole system then jumps to 220. This will fry all pumps, bulbs, transformers, lights, GFI's and humans in contact with it" Running 2 seperate lines doubles the protection.
He also said that I can run 1 line to the outside plugs and a second line to the outdoor lights. This will save me half the work and expense. I already checked the current load on both. 3 outside house plugs on one breaker which I never use until winter. Outside light covers 2 inside lights and 3 outside lights, so load is light as well.