The single biggest thing you can do to make your machine faster is to go to an ssd.
Yes they can fail, but these days they are getting very reliable.
Hard drives also fail.
That's what they make programs like Acronis for.
Do a backup, save it on one of your storage drives. If theres a failure just reinstall your C:drive back to what you had, easy.
This also works well for a reformat on spinners (which you don't have to do to keep performance like new with an ssd).
I have been running 2 OCZ 120GB Vertex 3's in Raid0 for 8 months now with no troubles.
Then for spinners, 2 640GB's in Raid1 and 2 1.5TB in Raid1
I save my image file on both Raid1 partitions, as I do all my important data. The 4 hard drives have to fail at the same time to loose it.
Is it fast? I boot Windows 7 Pro with over 50 processes running in 20 seconds.
Seek time is .08 miliseconds
Read/write transfer rate is 1000MB per second
Photoshop loads in just under 3 seconds
You dont defrag ssd's, they have a feature called "trim", which keeps everything in order.
In raid0 trim does not work.
So the newer ones have another feature called "garbage collection" that works in conjunction with trim.
Garbage collection does work in raid0
Garbage collection works best when logged off or idleing at the bios screen
So the maintance of it?
Idle at the bios screen over night once a week with the monitor off.
Not to big of a pain for the speed.
My machine:
Intel i7 SandyBridge 2600K 3.4 @ 4.7
Asus P8P67 Deluxe v.3 1702 bios
ThermalRight Silver Arrow Cooler
Corsair Vengence 8gb 1600 8-8-8-24-1
OCZ Vertex 3 Sata III SSD 120GB x2 Raid0
1.5 TB WD Cavair Black x2 Raid1
640GB WD Cavair x2 Raid1
2x Sapphire HD6950 2gb Crossfire
HD6970 Bios Mod - Catalyst 11.10
E-MU E-DSP Audio Processor 1616m
LG Blu-ray Burner WH10LS30
LG Blu-ray Reader UH10LS20
Corsair AX1200 PSU
Antec SX830 Case Modded
Windows 7 Pro 64bit
Viewsonic VX2255wmb x2
Welcome to the world of tweaking your box.
The best advice I can give is stay off the bleeding edge and use only whats been out for 6 months or so.
It saves alot of pain and money.
Drivers, bios, firmware etc all get more stable
Read, read, read, and ask questions in tech forums