I agree with Athlon that if serious about a RAID, and because you are going with a near entry-level motherboard, a dedicated card is better for many reasons.
And I agree with hat too. A mirrored RAID setup can indeed save you from losing data in the event of a hard drive failure. And
ALL drives
WILL fail - eventually. And the more drives you have, the greater the chance you will encounter one that fails pre-maturely. SSDs, on the other hand, with no moving parts, can be expected to last longer than your computer. Of course, until Man can create perfection 100% of the time, even an SSD can fail, but the with no moving parts the risks are much lower. I mean you can't find a hard drive with a
10 year warranty!
But a decent backup plan can save you from losing data too - at least all data up to the most recent backup. And even with a RAID setup, you still need a decent backup plan. RAIDs only protect you from drive failure. If your operating system becomes corrupt, for yet another example of something else that could go wrong, RAID will not save you there either. And yes, I have seen drives fail over the years, but I've seen more data loss from drive and file corruption - which often is spread across the RAID array.
If going with Windows 10 - which I suggest you do - you can easily set up W10's File History feature to keep current copies of all your files and folders on separate drives, even on networked drives (or as in my case, on my backup computer in different part of the house). The default is every hour but you can change that to every 10 minutes if you want. And recovering this data is a simple as navigating to the File History folder location with Windows File Explorer (used to be called Windows Explorer) and drag and drop the backup back on your new drive. Piece of cake. So losing data really is not an issue - except for not having immediate, uninterrupted access to it.
Again, if you need immediate, uninterrupted, full time 24/7 access, hat is right. There's nothing better than a mirrored RAID (except maybe mirrored computers). But multiple drive RAIDs are more expensive to set up and cost your more to run too.
I guess my real problem boils down to this - and admittedly, it is personal. Hard drives are ancient, archaic technology, electro-mechanical devices that consume lots of power, take up lots of space, generate lots of heat, make noise, create vibrations, suffer from fragmentation performance issues, and they wear out. Plus, they are agonizingly slow (or
will seem that way once used to SSDs). Their only advantage (for the time being) is they cost less per GB. But when you spread that cost over the life of the computer (factoring in power and cooling costs), I don't see the cost as an issue either.
Okay - the fact is, SSDs have spoiled me rotten!
And I am glad for it. I will never go back to those big old clunky mechanical things. All my builds now use SSDs. And note you can use SSDs in RAIDs too!