[pm7]

Backup is much more important than RAID in most situations. RAID doesn't protect from user error, virus, fire, etc.

I think Windows does remind to create backup (but not very loudly and it accepts local backups to another drive which is poor solution).

Unfortunately, almost everything is cheapest possible. For example, I would prefer ECC RAM as standard. It's very cheap for production (one additional chip per RAM stick), but Intel wants to force people wanting reliability to pay for Xeon CPU and most people don't care.