Even in a low-IO environment, it's bad business practice to use RAID 5 (with regular high-density low-URE SATA drives). Not using it has little to with IOPS (RAID 6 is every bit as bad about that, but is standard practice where RAID 5 used to be used), and mostly to do with the write hole and UREs (especially with regular SATA drives). For home use, it should be fine, to give you one drive's worth of warning (though, for few drives, RAID 10 would be better in ever way but cost).
If a drive does fail, just don't trust that the RAID will recover successfully if you replace it. RAID 5 an allow a drive to fail, leaving you with basically a RAID 0 of n-1 drives. In optimum health, it can, with scrubbing, find and correct most UREs, using parity. You have a better chance of retrieving that data from the degraded RAID 5, and then building a new array with that data, than of rebuilding the array with a new drive, and then retrieving that data.
6Gbps v. 3Gpbs means nothing for HDDs, these days.