Alright, thanks for the info guys.  I think I will get the drive and just start using it and if i get to a point where I have everything backed up so that I can reformat, maybe cloud storage? I'll try out raid 0.  What would be nice in the future is 0+1, or just 1 for important stuff and a couple ssd's in 0 would be perfect for programs and os.  It kinda sucks right now tho, hd's don't seem to be getting any cheaper, just ssd's.  Other wise i'd say short stroke 4 3tb drives and be future proof  So I will go by the rule, you mine as-well use raid 0 if its fine to loose everything

Also Iv'e heard raid 5 is terrible for performance using cpu and being slow or something if you don't have an external raid controller?  that would require 3 hard drives anyways tho?