I agree that CBI and Peterson are both great brands for heavy duty grinders. For grinding stumps you need a heavy machine with a lot of horsepower and both CBI and Peterson fit the bill. Keeping your grinder from catching on fire is not too difficult. Really just requires that you keep it clean of debris. Many of the grinders come with an optional air compressor mounted to them for blowing them off at the end of each day. They do require regular maintenace and have wear parts that must be replaced fairly regularly depending mostly on the material you are running through them. More dirt = more frequent replacement.
None of them like large pieces of metal, but many of the newer models have breakaway screens below the mill that will give if the mill really finds something it doesn't like. If metal is a major concern, consider running larger screens and using a screening machine after the grinder to help filter out any metal. Then you can just regrind the cleaned out pile with smaller screens for a great clean product. This will help keep metal from jamming up the mill and causing major damage, however if you plan to run rebar through your machine on a regular basis, you may have to consider a pick line to pull it out.
At any rate, finding a quality used machine is key to running a profitable operation. With new machines running $500k plus, it can be difficult to stay in profitable after covering the euipment and parts costs. I would reccomend
http://earthsaverequipment.com as a source for advice on equipment and replacement parts. There is an equipment guide there that explains some of the various factors that you should consider before purchasing grinding equipment.