Raid 0 provides 0 fault tolerance. If you absolutely value your data then using raid 0
statistically increases the risk of data loss. If one of the drives in the array fails
then you can pretty much say goodbye to all of your important porn,
whoops I mean "Data".
Unless you are willing to pay a lot of money to a data
recovery service. And in all reality the typical home user will not see too much
of an increase of performance unless you are moving a lot of big files, maybe
a faster boot-up time, and using large games.
For a home user I would recommend RAID 1 if you value your data over speed.
You won't see too much of a speed increase or decrease. But should one drive fail
then the other hard drive can rebuild and you can use it until you get a replacement
for the failed drive. You might want to keep in mind that you will lose hard drive space
because half of each drive in the raid 1 array is used for data redundancy. For example:
Using two 1 terabyte drives in RAID 1 will only show about 1 terabyte of space because
the other terabyte of space is used for redundancy on both disks.
So to sum it all up: Raid 0 is good for speed which is good for Hard Drive intensive uses like
moving large files around and faster loading times for games. But should one drive
fail then your data is lost. Raid 1 sacrifices some speed, and usable hard drive space, for the
sake of having a more efficient data redundancy.
I personally would not worry about Raid 10 or Raid 5+1 because those applications are typically
better suited for use in servers.
I hope this helps.