RAID isn’t backup - but in my years running computers at my house I’ve been lucky enough to lose zero machines to theft, water damage, fire, etc. but I have had many hard drives fail.
Way more convenient to just swap out a drive then to swap out a drive and restore from backup.
Interesting, I've had the exact opposite experience. My oldest HDD from 2007 is still going strong. Haven't had even a single micro SD card fail in a RPI. I built some fancy backup infrastructure for myself based on a sharded hash addressed database but so far have only used the backups to recover from "Layer 8" issues :)
I had a look at my notes and so far the only unexpected downtime has been due to 1x CMOS battery running out after true power off, 1x VPS provider randomly powering off my reverse proxy, 2x me screwing around with link bonding (connections always started to fail a few hours later, in middle of night).
Way more convenient to just swap out a drive then to swap out a drive and restore from backup.