unless you are using a highend RAID controller card the 32 meg cache HDs will give you very nearly the same performance in RAID.
In any configuration that you are likely to use in a desktop system (0, 5 or 10) the advantage of incorporating RAID into the build isn't performance, it's that the system can (far more often) survive a single drive failure and still continue to run.
As has been stated earlier, do NOT use RAID 1, at least with on-board RAID controllers - while in theory it's a wonderful idea for improving performance, in practice (again, using desktop raid controllers - highend cards like the Adaptec are a different animal), you trade twice the likelihood of failure for a marginal at best and usually no increase in performance.
And backups are still just as important - in practice, RAID doesn't
guarantee that a drive failure won't put you up to your buttocks in reptiles - more than a few times I've had one drive "die" in such a way that the mirror/array becomes corrupted as a result. But 9 out of 10 times you'll stay running if a drive fails, giving you time to deal with it at your leisure - which is far better than the 10 out of 10 times you'd need to rebuild/restore before you could use the system otherwise.
And I agree, using an add-on controller (while usually a significant expense) can pay for itself in spades - but remember - if you have a spare motherboard or spare computer with a motherboard of the same type, it "counts". This is actually my preference for my personal systems - it's usually cheaper and a wonderful tool for troubleshooting. You'd be surprised how many "quirks" folks blame on software and/or hardware incompatibilities are really just a goobered up piece of hardware - and how often this hardware is on the motherboard. But investing in a good add-on controller gives you freedom to bring up the drive array on a wide range of different hardware, so you'll need to decide which advantage is more important to you - or if neither is worth the additional expense.
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