I hear you. It sounds reasonable to split up the data like that. I personally don't have any photos nor family and it's all video for me but my collection is getting soo crazy big the bit rot issue bugs me a bit. I have as of today 26 data and 4 parity. It's all 14TB disk so it's now or never if I want to migrate to Z-RAID as the initial vdev to copy to will be an investment by itself.There are a lot of people who are sufficiently invested into some distro’s fan base on Reddit and various forums who claim bitrot doesn’t exist. It absolutely does, though tbf in the last 30 years I’ve encountered exactly *4* instances of minor bitrot. I think it all comes down to how much that particular data is valued. For personal files such as family pictures/video, I put on ZFS hands down. There, even minor bitrot may be devastating. For less valued stuff that’s replaceable I’m perfectly fine with regular non-ZFS soft RAID or SnapRAID.
Then there’s how much money can be invested financially, willingly, or both. I recognize that this hobby requires a lot of money, which I’m fortunate to have a bit more of than most people, but my budget isn’t endless. Personally I figured I’d maintain a small ZFS data store (on FreeNAS) for valued stuff, while leaving room for storing less valuable things elsewhere. Of course, the dream is to have a whole rack filled from bottom to top with a massive ZFS array, like I’ve designed for some SMB clients, but looking at the potential hit to the bank account brings me abruptly back down to earth.