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RAID can fail and when it does you can loose everything - I know I have seen it happen in my career in IT more than once. Add to that most home NAS units will not have UPS protection in the event of a power failure - a well known way of taking down a RAID array.Assuming that the drive is toast and that you’re looking to replace it, I would give some serious thought to doing so with a two-bay NAS such as available from Synology and using a pair of NAS-spec drives in RAID configuration.
This will be more costly than a simple external HDD, but will last much longer and the RAID gives you further recovery options should one of the drives fail.
A better and cheaper option for home use would be to buy two drives for backup, alternate them and keep them in separate places.