If you already have some data on ext4 disk(s) and don't want to deal with the the issues of using ZFS/BTRFS then it's a no brainer. Dynamically resizing the "array" is super simple and it works really well with MergerFS.
This approach is also good when you have multiple sources to restore from. It makes it easier to determine what is the new "source of truth."
Theres something to be said too for backing up onto different FS too. You don't want to be stung by a FS bug and if you do then it's good to know about it.
Unlike e.g. KDFs, checksums are built to be performant, so that verifying one is a relatively fast operation. The Blake family is about 8 cycles per byte[1], I guess a modern CPU could do [napkin math] some 500-1000 MB per second? Perhaps I'm off by an order of magnitude or two, but if the file in question is precious enough, maybe that's worth a shot?
Even proper high-end server-grade ECC ram guarantees "only" SECDED (single error correction, double error detection).