i use mirror raid on my desktop. the risk of a disk dying is just to high. i even made sure to buy disks from two different vendors to reduce the chance of them dying at the same time. for the laptop i run syncthing to keep the data in sync with the desktop and a remote server. if the laptop dies i'll only be a few minutes out. when travelling i sync to a USB drive frequently.

for the same reason i don't buy laptops with soldered SSD. if the laptop dies, chances are the SSD is still ok, and i can recover it easily.