If you newbie linux user I really recommended create partition for /home and use LVM. That not so easy, but if you understand LVM Snapshots and partitioning that saved many hours for you. You can use partition manager for make /home snapshots and all system snapshots too if you have enough free space in LVM group. The downside of this feature is that you can't take up the entire disk with partitions, otherwise there will be nowhere to take snapshots.
If you want change distro for example:
- create /home snapshot
- remove all ~/.* directories
- Start from iso and format only root partition for new system.
If you want do momething risky:
- Create / and /home shapshot.
- Try that.
- If all ok merge snapshots, If all go bad rollback to previous state.
It all depends on the greed of the campaign. I worked in a campaign where it was considered normal to keep a degraded raid without repair. Of course, data loss is a normal story in such companies. The raid guarantees data security only when one disk is being pulled (except for some raids), so it also needs to be monitored and replaced. On the other hand, with proper operation, you probably won't lose any data.
P.S. RAID0 - raid that can't be restored when degraded any disk in RAID. This is exactly worse choice for data save. STRIPE also writes blocks one at a time to the first disk and to the second, so that you would definitely lose exactly 50% of data blocks. Best choice raid10 for performance and raid5 if you need save money.