Lets see, your desktop PC gets a bit out of whack and suddenly the whole file system in borked. The OP says he is using Intel fake raid on windows. Other common things, your windows box gets a virus and starts encrypting everything sure snapshots (if the malware can not touch them) will save you from this. In general bitrot is a thing modern drives have CRC's etc but not realy suficient, things like ZFS, BTRFS, Gluster etc etc can do bitrot detection far about a single sector. Things like snapraid can do it for arbitrary sets of drives.
In any event you would want at least one copy thats offline preferably with physical distance.