That is an insightfully devoid post.
What is doing RAID 5? Where are you getting snapshots? Storage tiering? How are you managing backups?
One of the nice bits about ZFS is that you get storage tiering, snapshots, RAID, and etc. in the solution. Data integrity is a good feature as well, but there is a lot more going on.
RAID rebuilds on even a low-use SMB/ home server are going to be high-stress operations so you have a higher chance of failure. The point on other system items failing is prevalent actually as you move to triple parity. RAID Z3, for example, you are more likely to see a system implosion than four drives in a 28 drive array failing at once.
I do wish ZFS had OCE. Also that it had a different license. Those two features and we would not have a conversation on ZFS or other. OCE is particularly important in SMB/ home scenarios since mixed drive types are highly common. ZFS is also complex to tune so a lot of folks get terrible performance and think it is a ZFS issue.
The advice to backup is sound. Backup with snapshots even better!