Sorry, Rick, but you are the one that doesn't understand the difference. RAID that is run from your mainboard is still software RAID. It's implentation is just run from the BIOS rather than on an OS level. It uses resources like CPU cycles and system memory to run. Hardware RAID runs from add-in cards that aren't cheap and the RAID functions are handled separately on the card.
Yes, and I was talking about pure software RAID, run on the OS level.
I never once mentioned mainboard/BIOS implementations, which are useless (I'd go so far as to say that even real RAID controllers on mainboards are useless, as hardware RAID has no performance or portability advantage over software RAID).
Therefore your rant was a bit pointless, because I never recommended mainboard RAID, but instead volume manager or mdadm to manage RAID, which is the most flexible and stable and safe way to do RAID. You yourself propose it as well, from what I can tell.
CPU cycles for RAID are basically irrelevant on anything but the lowest power ARM or Atom system, even with RAID 6. Many CPUs come with quite fast XOR or even full blown parity units. And any desktop CPU has plenty of power. I'm running two RAID 5s with encryption on top on my i5 650, and never had a RAID process run into CPU limits. The same was also true for the single core Sempron I had before....
System memory is also a complete non-issue.
In fact, the only limitation is bus bandwidth. But with PCIe2.0 even that has been mostly addressed, and the added overhead isn't that big, unless you run RAID1s with very many mirrors.
Also, with regard to your build proposition: such a large power supply is going to be a complete waste. Smaller PSUs with a higher efficiency rating will both save the odd Watt of electricity during the long idle periods and under all use cases, while being cheaper to buy as well. I'm spinning up 12 disks from 430W, and I think around 300W should be plenty for <=8.