My home PC is not something I spend a ton of time maintaining (or I'd be using Linux). Yes, I'm using software for the mirrored RAID, mostly because I was more comfortable I'd be able to swap in a new drive with the software RAID than the hardware RAID, and the hardware RAID configuration was pretty painful. I *was* using the hardware RAID until there was an actual problem and it made it as difficult as possible to diagnose.
The extra time from setting up Windows 10 mostly comes from disabling things. Setting the default browser takes a little longer, there are more pre-installed apps (like "Get Office" and "Get Skype") that have to be uninstalled - which requires finding them in the start menu, you can't search for them if you want to uninstall them. Even if OneDrive isn't configured it still decides to start with Windows and generate notifications, so I turn that off too (usually that gets delayed because it updates while I'm trying to disable it). Plus the trackpad notification. I also clear most of the junk out of the start menu, like Mail, Sports, Finance, and Candy Crush.
I had Windows 8.1 down to about 30 minutes of interactive setup, Windows 10 is about 90 minutes. It would be much longer if we were buying direct from the manufacturer (more shovelware), but all of the PCs I assign out now are Microsoft Signature PCs. Of course Microsoft Signature doesn't exempt you from Microsoft's own shovelware (I really hate the 'Get Skype' app).