I am SO sorry to hear what happened to you!
it is horrible and there is always SOMETHING you can't replace..
as I said.. I feel really sorry for you
AFAIC software (and the "sort of hardware" raid solutions on motherboards and the like) are NEVER really bulletproof!
I store all my stuff on a NAS (using Freenas) at the moment
and I am looking at Openfiler.. looks like a really good NAS very stable and configurable!
it will perform scheduled backup and all manner of other tasty things
I would HIGHLY recommend a hardware raid solution if you can find one.. if not Openfiler supports multiple software raid configurations
it is great to see you come out of this with a positive attitude and not shouting at everyone
good luck with your rebuild!