there's soo many reasons why heads and gaskets go, here's some basics ...
plain old over heating (multiple causes), easy to avoid with regular checks, which will help
you pick up any abnormal usage, and should lead you to carry out a more thorough check ...
the next is failure of components such as water pump/hoses/heater cores radiator and cap etc ...
again, a regular once over will pick up on these sorts of things before they get out of hand ...
corrosion, and rusty/gummy build ups causing leaks or blockages, again regular checks of coolant
level and making sure you have fresh coolant, at the correct concerntration is the way to avoid these ...
I have been told, but didn't really believe, that running your engine - alloy head/cast iron block,
without a thermostat will allow irreglular temperature expansion rates between the head and block
causing excessive strain and wear on head gasket and mating surfaces ...
there's alot more to know about cooling systems, such as electrolysis and stray currents, but
with regular checks of your coolant level and quality/concerntration, most of this can be avoided
or atleast caught before it gets out of control ...
Hope thats helpful
