With consumer motherboards rather than server class with a separate RAID card you're not looking at 'unburstable'. In my limited experience they're flaky if the wind blows the wrong way and with a 50/50 chance you'll recover your data. Also if the motherboard fails then there's a good chance that even an exact replacement may not recover your data.
I now use a separate OS and Programs disk and data disk with internal and external backups (with one off site) as well.
Having your OS and Programs only makes it easier to create a disk image.