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I have about 2Tb of storage, done as raid 10. Uses 2x as many disks but then I don't have to panic quite as much. I have seen single drive failures a lot this year, both at home and at work where we about about 20Tb of data that I look after. It's also raid 10 so we've not had any interruptions or data loss.
My answer is raid 10 plus redundant copies of the most important stuff stashed around the network on different machines.
cheers, Bird
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