@FriendlyGamer: it is not true RAID is useless. There are different technologies to protect your data. It is important to understand what any specific technology CAN do what it can’t.
RAID protects you seamless against disk outage - doesn’t matter which RAID level and how it is implemented (hardware/software) - not more and not less. There are number of other problems it doesn’t address: users or software bugs which cause data loss, crypt trojans… in other words RAID is not backup… Nextcloud with trashbin and file versions has little protection against this problems… but this is definitely not a replacement for backup.
I absolutely agree with your statement nothing can replace backups… there is no room for discussion and no way to overcome this fact. RAID is not a replacement for backup it’s more the the snake oil which keeps your system running if a disk dies… If you can take some hours or days to restore your system after disk outage - you need nothing more than good backup strategy… just replace faulty hardware, restore you data and you are back in business. otherwise you want to protect your system additionally with some hardware redundancy (RAID). here you must know that home/SOHO level systems only protect you against disk outages - there is no protection against faults in disk controller, cpu, memory. RAID only address the most common issue: faulty harddisk… other issues are less common and maybe less destructive to data… but if you hit the the golden problem and your cpu or memory dies - the recovery could range from easy replacing the processor/memory to the same hard way of rebuilding the system and restoring the data.
My personal recommendation is to use disk mirroring (any kind of hardware or software) or higher RAID levels, depending on your preference. in my eyes RAID-1 is the simplest and RAID-5 is most economic technology to add basic protection against HW faults - but this just my personal view and doesn’t fit any specific setup.