For me the question comes down to WHO's data is it. If it's yours in your own house, well you're in charge. But if it is your employer or customer's - that's not your baby to risk dropping. The main reason we all did RAID 1 or 10 used to be for performance to avoid the IO penalty. RAID 5/6 on SSD's have tons of IO to spare, so doesn't really matter as much. So you can get away with 'bad' RAID levels as they no longer hurt as much.
But even for an SMB customer, to have 25x $20-$100/hr employees twiddling their thumbs for a few hours is a minimum of $500/hr while you do a restore or reseat a drive or or or.
So 'worth it'? To buy an extra $100 SM863 drive for an array or something? Every day I breathe. The good will and saving face alone are worth it, IMHO.
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