People, especially those on the Internet, say a lot of things.
Some of the things they say aren't credible, even if they're said often.
You don't need an enormous amount of ram to run zfs unless you have dedupe enabled. A lot of people thought they wanted dedupe enabled though. (2024's fast dedupe may help, but probably the right answer for most people is not to use dedupe)
It's the same thing with the "need" for ECC. If your ram is bad, you're going to end up with bad data in your filesystem. With ZFS, you're likely to find out your filesystem is corrupt (although, if the data is corrupted before the checksum is calculated, then the checksum doesn't help); with a non-checksumming filesystem, you may get lucky and not have meta data get corrupted and the OS keeps going, just some of your files are wrong. Having ECC would be better, but there's tradeoffs so it never made sense for me to use it at home; zfs still works and is protecting me from disk contents changing, even if what was written could be wrong.