I cannot figure out why people still use RAID 1 for home use when RAID 5, RAID 6 and other parity solutions will give 99% of the reliability much more cost effectively
That that 1% matters. It can reduce performance below usable levels. In addition, error rates are correlated with utilization. IoW, an array streaming MP3s is less likely to encounter an uncorrectable error than an array rebuilding itself by performing semi-random reads across all the drives.
RAID 1 and RAID 10 do not have these problems. They'll be usable while rebuilding, rather than snail-slow, and will rebuild far faster. A RAID 5 array, with healthy drives, can be null and void for hours, or maybe even a couple days, if you get unlucky with a shutdown, FI.
The cost difference is minimal, and is often made up for by not needing to buy a controller card, which can be a necessity for good RAID 5 or 6 performance (1 1TB drive is only $70, 1 4TB drive is only $150, and you don't need REs for software RAID, while a good RAID controller will typically be around $150 used, or $200+ new).
and real 1:1 backups are more secure.
Backups are the
only way to secure data. RAID saves you from downtime due to drive failure.
I cannot figure out why people would use RAID 0 at all when SSDs are faster for nearly the same price. I suppose if you just had the HDDs lying around.......
8 times the cost is not nearly the same (compared to 1TB HDDs).
A 16GB RAID 0 array, FI, made up of 4TB drives, would offer around 600MB/s, and cost the same as a single 1TB SSD, offering 550MB/s. So that's 16 times better, in terms of cost, using higher-capacity drives. Sure, you get random performance with the SSD that's worlds better, but good uses of RAID 0 are for space and sequential (desktop tweaker types never needed RAID 0 or SSDs, but they have to feel they have something better than other players).