Just a note for those using their motherboard RAID features... unless you actually have a server/workstation motherboard with a true integrated RAID controller, you don't have hardware RAID. The RAID in your BIOS is simply an enhancement that allows your system to start booting from a software raid set, the OS still has to manage it in software and it might even be in a proprietary format in some cases (ie: AMD RaidXpert II on NVMe) making recovery from a fault/failure far harder.
If you truly value your data and can't afford to lose it I have two suggestions.
1) Get a real RAID controller and run RAID5 of better (note, there are still issues with RAID even with a HW controller that can cause data loss, see "RAID write hole")
2) Setup a cheap TrueNAS server:
* Get a cheap used/obsolete server with (or add one to it) a SAS RAID controller that can run in IT mode (ie, JBOD).
* Install some ECC RAM, (DDR3 ECC ram is very cheap to buy used in large quantities)
* Install your SAS disks (again, can obtain used SAS drives pretty cheap because enterprise users don't want used drives, and home users can't generally use SAS disks).
* Install TrueNAS and configure a ZFS RaidZ2 or better array.
Option 2 is more involved, but gives you higher performance, better data security, infinite zero cost snapshots, and is immune to the RAID write hole issue.
If you want to go one step further you can then setup iSCSI and use it as your desktop's HDD instead of even bothering with local storage (suggest a gigabit network or faster though).
Also, RAID is not BACKUP, a bug/virus that deletes your files deletes them from all your cloned disks. This is where ZFS shines as snapshots act like a backup (note you should still have a regular off-site backup schedule in case of system failure, fire, etc).
I setup Option 2 at home about a year ago now (prices all AUD):
* Used 1RU xeon server - $200
* 64GB of ECC RAM - $160
* LSI SAS card - $40
$400 without disks
This is not strictly required, I just have large storage requirements, most 1RU servers have provision for 4 disks, sometimes more internally.
* 12x 5+1⁄4" SAS disk array for $400
I am using SAS 4TiB HDDs, $80 each, new old stock (which is in large supply). You can get cheaper if you want used stock, usually around $60 each.
I also added an intel Optane 800p NVMe SSD to the system as a L2 cache which accelerates reads & writes enormously, this model is available very cheap as the industry has moved away from them (I paid $30).
With 8x SAS drives I can sustain reads > 1GB/s, faster then any SATA SSD, and this is on spinning rust.
With the 64GB of ram and the L2 cache, I get random access performance comparable with NVMe SSDs for frequently accessed files (os, apps, etc)
Is local NVMe faster? yes. Is it as cost effective per GB of storage and offers data redundancy? no.