mjm6 Offline Upload & Sell: Off
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The point of RAID isn't that it is fault impervious, it's that it is faster to write and read and there is some ability to rebuild if you have a failed drive. IT IS NOT A SECURE FAILSAFE. The only way to make a secure failsafe is to make duplicates, and one of them must be off-site.
If you are running a backup cloning action every night, you won't lose data beyond that day's work (or week, etc., depending on how long you go between cloning actions). For most of us, this is completely sufficient and you can safely rely on a RAID (0, 5, 6, or other configurations) drive to be fast and cost efficient. You could even set up a redundant RAID like a RAID 1+0 and actually have a duplicate for fast rebuilds but that is unnecessarily duplicative for non-business applications where down-time is unacceptable.
It all comes down to your needs, of course, but there is no reason to fear RAID if you have a proper set of expectations and you set up the system properly to meet your needs, in particular to recognize that RAID isn't a proper backup approach.
For example, I am running a four-disc RAID 5 array of 4T Ironwolf Pro drives for about 12T of storage. I have CCC running a backup action from the RAID to a single large 8TB drive as a backup. I do it once a week, but I figure I'll trigger it after every large change to my files (like after I upload a trip's worth of images). I also have a second 8T drive backup that I make and keep off site at the office. This will again mostly be triggered by large changes to the files, but I'm thinking about doing it weekly. These 8T drives will be replaced with larger ones as I get mote data to back up. I'm currently at about 5T, so I have a bit of time.
If a drive in the RAID goes down, I have two options; 1. Replace the drive and rebuild. 2. Replace the drive and copy the data back from the on-site backup.
I'm certain the on-site backup will be a faster way to go, so the only way I would do the other approach is if there is something crucial that hadn't made it onto the most decent disk image on the backup, but that is really unlikely.
Lastly, the RAID is pretty fast. It's about 2.5x the speed of a HD connected locally and that is when running through a 10GbE network, not directly plugged into the computer, so it completely satisfies my need for access speed and also allows me to run it remote to keep the noise of spinning HDs out of the room entirely. The server (Mac Mini) performs all the backup tasks for it using CCC. The external drive that I take off-site can be plugged in at my workstation for the duplication when that occurs.
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