You don't lose anything, you just restore from backup. This is the part of your position that I don't understand. Here is my example setup:
I have a RAID-0 array and a RAID-6 array. They each contain the same information. Therefore my information is stored in two locations, one of them having added redundancy which we will ignore for now.
I still have 2 complete copies of my information. If the building with the RAID-0 (of WDs
) burned to the ground, I would lose nothing.
The total number of drives I need to achieve this is 2n+2, where n is the capacity I actually need. In my case n is 4, so I need 10 drives.
Assuming you only keep two copies of your data, you have almost as much redundancy as I do, using almost as many drives as I do.
I'm not saying one is better than the other, but a controller failure wont slow me down very much.