The RAID 1 solution gives you resiliency, not safety. RAID 1 doesn't help you at all in that "Oh shit" moment where you've just mistyped a destructive command or deleted the wrong folder. It covers you when a drive dies. not when the virus-of-the-day goes nuts on your data. It's so cheap to do a much simpler backup solution than what was discussed above, there's just no reason not to. You can get any simple external drive and copy everything important to you, and you're better off than running only a RAID solution. The difficulty is the discipline to maintain it, and copying everything everytime isn't efficient. That's where "true" backup solutions come in and get you doing automated backups at full and incremental levels, eliminating forgetfulness and/or laziness. Now you want a 2nd external drive, so you can write backups to one for a week, then take it offsite and swap in the second, which will get your backups for the next week and so on. In the case of a flood/fire/tornado/theft, you do stand to lose up to a week's worth of data, but that's better than losing absolutely everything, which is what happens with your RAID solution.
Backup doesn't have to cost a lot. 2 $100 external drives and something like Bacula, or BackupPC, or one of many other options can take care of you.