AFAIK, all the onboard controllers (at least on consumer-level motherboards) are actually doing the mirroring/striping/parity calculations in software (using the main CPU). RAID0 and RAID1 (and even RAID10) require relatively little CPU power, since there are not parity calculations being done.
With a reasonably fast CPU (especially a dual-core), even RAID5 is usually not that bad; it's more of a concern for things like webservers, where you need all the CPU power you can get to handle client requests. Could be a concern if you're gaming and doing other stuff in the background, though (although if you have a DC CPU, the game can run on one CPU and everything else on the other).