Having a RAID system is no help whatsoever if the actual RAID controller 
dies on you.

True story, learned the hard way... ;-)



For a home setup, I would suggest that RAID is way overkill, and a 
simple offline backup now and then is what you actually want. RAID might 
save you in the extremely unlikely event of a drive failure. (It 
basically means you don't have to wait until you can purchase another 
drive.) But a backup will save you from any possible type of failure. 
(Except failure of the backup medium itself. Having two backups fixes 
that...)

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