That being said, the reason why I'm afraid of not using RAID is data integrity. What happens when the single HDD/SSD in your system is near its end of life? Can it be trusted to fail cleanly or might it return corrupted data (which then propagates to your backup)? I don't know and I'd be happy to be convinced that it's never an issue nowadays. But I do know that with a btrfs or zfs RAID and the checksuming done by these file systems you don't have to trust the specific consumer-grade disk in some random laptop, but instead can rely on data integrity being ensured by the FS.
Also, if you're paranoid avout drive behavior, run ZFS. It will detect such problems and surface it at the OS level (ref "Zebras All The Way Down" by Bryan Cantrill)
Also, because it's fun and probably many self-hosters had racked servers and plugged disks in noisy, cold big chambers and they want to live again the fun part of that.
Way more convenient to just swap out a drive then to swap out a drive and restore from backup.
I had a look at my notes and so far the only unexpected downtime has been due to 1x CMOS battery running out after true power off, 1x VPS provider randomly powering off my reverse proxy, 2x me screwing around with link bonding (connections always started to fail a few hours later, in middle of night).
This means nothing until the need to replace one drive arises, then it's not an if..
No downtime with raid 5, you can swap out one drive as needed while the rest runs just fine.
The challenge is a "bit of a backup" is risky. There's no back up if it's only a single copy of something, or even a single copy of something.
3-2-1 backups are really in time teach everyone the lesson that you don't buy storage, you buy backups, some that are more quickly accessible than others.
The cost of "maximizing" space with the drives I have, for example, is relatively trivial and simpler, its in the hundreds of dollars now instead of thousands. The upside is huge.
Solely trusting third party services is risky, and locally holding your data can be relatively managed well.
What I meant by “bit of backup” was you could actually restore files that were deleted since the last sync since it’s not always live like RAID and requires scheduled syncs to update the parity info. It’s a compromise I make as a home user for my media server.
for the same reason i don't buy laptops with soldered SSD. if the laptop dies, chances are the SSD is still ok, and i can recover it easily.