Yeah, RAID isn't a backup, it's designed for uptime. No matter where you serve your data from, you need another copy to count as a proper backup. You think losing a drive is annoying, try a failed RAID array. My opinion is to stay with individual drives unless you need large amounts of contiguous space that go beyond reasonable single drive capacities.
My reasoning is this:
If you have 4 2TB hard drives in a RAID 5 array, you only have 6TB of storage. Also, when the array runs, all four drives must operate, adding wear and tear to all drives.
If you have 4 2TB hard drives running as individual drives, you have 8TB of storage. Since only the drive being used is spinning, energy savings are much higher and wear and tear is limited to more often used drives.
There are advocates here for both RAID and non-RAID solutions, so definitely look into both. My own media server contains 3 4TB drives, each with a matching 4TB external drive for backup purposes. Easy enough to add more drives.
Good luck!