Hi
Have a look at Fig 11 in
http://www.cisco.com/c/en/us/products/collateral/switches/nexus-7000-series-switches/white_paper_c11-623265.html
It refers to N7k, but it will apply to N5k as well.
Properly done, N5k should not be a single point of failure; you can do firmware upgrade without disruption of the UCS traffic.
Did you check, that the UCS FI mode is: Ethernet End Host Mode (EHM), which is the default ?
In this mode, the link between the 2 FI's is never used for data traffic.