Be wary of RAID 5 or 6.
They both have a « write hole » problem (or though much less so in RAID 6). Any power failure which causes an incomplete write can cause a complete RAID corruption - meaning all data is lost. Hardware RAID controllers usually have an onboard backup battery so they can store some information to complete operations should there be a sudden power failure. Software RAID does not have this, and you need to provide a UPS with automatic clean shutdown as the battery runs low using nut or some equivalent.
Some people go as far as to say that RAID 5 should never be used.
You also have very long recovery times when you replace a failed drive (days). Any other failure during this time means total data loss (of course RAID 6 gives you a second redundancy). Weekly Resyncs are very slow too (hours to days), and (unless you constrain your max throughput) will bring your system to its knees.
zfs does not suffer from these problems, BTW.
I run software RAID 5 via mdadm and have a UPS. I’ve replaced drives twice with no issues other than a slightly nervous long wait during recovery. I’m too cheap to buy the extra HDD for RAID 6, and may end up regretting it one day.
If you did get a seriously large lump of cash… after a settling in period a lot of changes will happen, and you will be happy they did (IMHO).
The reason is that one of the biggest gifts that wealth gives you is TIME. A lot of the day to day crap that the rest of us need to deal with just evaporates. No need to shop (there are people for that). Want to travel… people will organise everything. There will be no waiting in lines at airports, at restaurants, at government offices… there are people for that. Someone to clean, someone to pick up the kids (unless you want to of course), someone to cook, holidays on a fuck-off huge yacht with crew to manage everything, or just to zip to Paris for the weekend.
You will probably really appreciate not having to deal with most of that crap. Also, while you probably don’t want a stupid large house, you do want privacy and so will want to get a house on 1000 acres in a gorgeous landscape (plus perhaps apartments in various cities that you like).
Imagine moving from a food insecure lifestyle to a secure lifestyle where food, safety, housing is always there. Would you want to keep your old food-insecure lifestyle? No. Same with going from a food secure lifestyle to a time-and-resource abundant lifestyle.