I think the most effective approach in this case is to set the requirements and start from them.
This is not trivial advice :-) Requiring 4 drives in RAID10 has different consequences from 2 drivers in RAID1. Requiring a price < 100$ is different from < 200$. Hacked storage setup (eg. USB drives) versus proper (eg. storage controller with multiple SATA ports) is different.
For example, if you're willing to spend more, but not so much more, than say, 80$, why limiting to the RPi? The Odroid H2, for example, gives a lot of options.
Among the other things, I use it as file server with a COW-filesystem on two (cheap) SSD disks in RAID1. The board has two SATA ports, so it's a solid hardware setup. It has two ethernet ports, so it's ready to work as router. It's also x86, so it will have software support for a very long time¹. And it also runs at an incredibly cool temperature - I bought the fan, but it rarely spins. To be fair though, the H2 cases are expensive trash.
You can certainly do pretty much everything on a RPi4, as much as you can commute 50 km a day with a bike, which is... not ideal :-)
¹=RPi have an enthusiastic community, but ARM boards are second class citizens when it comes to Linux support. While Linux is formally compatible, it's still adviced to run the specific ARM distro.