SB Xeon. Running a FX home server, bleh.
Do the ECC, do the mirror drive, get a good/efficient PSU, do it right. It won't cost much more, and you'll have no regrets that way.
If you're going this far, I will agree with you.
The opinion I believe is ludicrous is that in the absence of any other RAS features, you should waste money on ECC. It's the least likely to be of benefit to a home user. It's the last thing to worry about. If you've done the others though, sure.
The "oh no, bit flip in memory" bugaboo is nothing more than someone latching on to one thing and thinking it is massively important when it's a minor piece of the RAS puzzle, and not the first one that should be addressed either. "Oh no, you'll backup a corrupted file." A backup plan is not "I keep one extra copy of everything". A backup plan is "I have a daily image of my system for the last 10 days, a weekly image for the last 2 months, and a monthly image for the last year". That is backup.
I would rank what is feasible for a home user in the following order.
1.Backup (not copy, but an actual backup scheme) This makes all other RAS features only account for uptime and have no bearing on data integrity. ECC, like RAID, is not any sort of substitute for backup, but backup, if all you care about is data integrity, is a substitute for all else. Ideally, either use some sort of "cloud" (eyeroll at the buzzword) storage, or raid protected storage local. Or disk, replicated to "cloud".
2.a workable UPS (OH NO, IF YOU LOSE POWER YOU MIGHT CORRUPT A FILE! in ECC crusader's terms)
3.RAID (only if you really care about uptime because you already have a bare metal capable image if you've done step 1 right)
If you've implemented all that, you might want to consider ECC.
I think the reason people latch on to ECC is that they don't really have an idea of what the whole image is. Dealing with that sort of thing every day, ECC is on my list, yes, and in my environment it is a must, but it is very, very far down the list in regards to what is most important.
If I went in to a datacenter and they had no backup, no ups, no mirrored or parity protected drives, and non ecc memory, for example, I'm not going to, out of the gate, tell them to replace all their memory with ECC (unless budget is of no concern, and the hardware already supports it, because it is not a labor intensive implementation). Backup is going to be the most important thing, then power redundancy (if they can only afford a UPS, then a UPS) or RAID. After all that is in place, ECC would be where money could go.