I haven't used a Y system so this is just theory but, if you want equal flows then both rads have to be the same, beyond that I don't know if length of tubing and bends will cause enough a difference in resistance to cause most of the warer through one rad. If you had a flow meter on both lines you could check and use a hose clamp to alter the resistances to get it equal but that is way too expensive and time consuming for me.
The most popular system seems to be 1 big rad, 1 big pump and one big block. My system adds another rad in series, I feel this allows the water to get closer to ambient, but if you get a big enough rad this isn't nescesary. I do 2 rads as I wanted mine to be low profile.
Pelting the CPU can get you great gains if your WC system can handle the added heat. I have conflicting reports about water chilling but personally I believe it gets you little to no gains for a lot of pain( 2 water loops instead of one, if it chills well then you need to worry about condensation not just on the CPU but also on the cooling line.)
I can't comment on the pelt/non-pelt effectiveness as I haven't got a pelt system and because it depends on too many factors. However a well done pelt system beats any non-pelt system due to below ambient temps. and overall better Watts heat/Kelvin even if the system isn't designed to go below ambient(if you don't want to deal with condensation.
Edward
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