So in other words, it takes a parity rebuild overnight (or longer depending on the size) to do what FreeNas does using ZFS in ~10 seconds via "zpool import <poolname>"....
Yes and no.
unRAID, FlexRAID and SnapRAID don't stripe data across the disks like Raidz and hardware RAID. All of the parity data resides on 1 drive that doesn't contain any actual data of its own. All data files reside, in their entirety on just one disk.
unRAID requires you to clear a disk before you import it into the array but if your volume fails, you can recover the data from the individual drives by just popping them out and popping them into a Linux (I think) box and it will behave as a standalone drive with everything still there. If you want to expand your volume, you can just pop in an empty disk and do a rebuild and your array jumps in size by the amount of the new drive.
I like FlexRAID even better for this because you can add a HDD full of data to the array, run the rebuild overnight and the next morning when you wake up, the drive and its contents have been imported and the data just added to the pool. It's pretty slick. I can move HDDs in and out of my FlexRAID system, access them as standalone drives, work with the data, make changes, etc. and then just reimport it back into the array if I needed to. I did it once just for fun to see how it worked and did it another time because of a file error.
For that:
#1 - I just stopped the array.
#2 - Assigned new drive letters to each of the now individual drives,
#3 - Found and deleted the offending file and replaced it on the drive with my backup copy
#4 - Imported back into FlexRAID and scheduled the rebuild for that night while I slept
It is so slick it is almost sick.
There's a performance hit and FlexRAID is limited to the speed of the individual drives, unlike Raidz that let's you use the striping advantage, but I figure the 160MB/sec that I'm getting out of the Seagates in my server is plenty fast for my needs. I tried a RAIDz1 for a couple of weeks before migrating to FlexRAID, but the performance advantage was unnoticed and the ease of expansion, plus the individual drive advantages won out. Oh and it is awesome that I can just throw any old drive into the array and take advantage of it's add'l space the next day (I use Snapshot mode).
unRAID tends to be slower just because of the parity calculations taking place on the fly, usually around 80MB/sec on an optimal system.
Short of a bomb going off, there's almost no chance of losing ALL of the data on a FlexRAID or unRAID array. I'm of the opinion that for most home use, outside of bragging rights and benchmarks, there's really not much real world advantage with RAIDz over these software solutions. Not the least of which is the upfront $$$ that you can save.
BUT THAT'S JUST AN OPINION.