Right, it's not really ment to be end user serviced, because most end users are not capable of servicing a dead drive.
You simply pay $149 to extend you AppleCare coverage to three years when you purchase your shiny new macmini server, and when a drive fails they can walk it into an apple store and the "Genius" will replace the drive for them, no extra charge.
THAT is exactly what small businesses need. I've worked large multi-national enterprise IT, and I've worked small business; oftentimes my "Enterprise" brain wants to kick in and build out a fully redundant setup for a small business that is only employing 8 people making a few thousand profit each month. In my mind of five nines of uptime it makes sense, but for those 8 people it makes no sense at all.