I am not a professional administrator and my EXPERIENCE should not be relevant. But if you are asking, then...
When rented dedicated servers in the same Hetzner - there is almost always software RAID was part of the server configuration, if needed mirroring.
For several years problems with the RAID occurs only if the disks on the server was the problem. And when that happened, this RAID 1 saved from data loss.
On your home server - the same. Once the RAID 1 I have collapsed, but it happened because I configured it for incremental the names of the block devices (like
), not a UUID identifiers, which depend on to which connector the drive to connect, etc. In the end, my RAID on the home server was disorganized (working half) half a year and when I noticed it - it was a couple of hours easily synchronized back to normal.
The last example, incidentally, should be a good hint that any RAID without monitoring is not reliable enough.
Here, you'll likely unsubscribe that with software RAID there is no problem. If you want to avoid systematic error survivors
- look for problems themselves. Preferably in English in Google. Just don't panic and rationally try to evaluate how likely it is that you something will happen.