I don’t understand how this follows from what I said. I called for increasing redundancy to compensate for the increased risk of failure. That’s the purpose of redundancy. Reducing the time spent dealing with troubles. Unless you consider replacing a disk to be a significant time spent. To me it isn’t because it’s fairly trivial in my setup.

Depending on the prices, you may even be able to add significantly more redundancy by using recertified disks, potentially reducing the risk even more than running new drives. E.g. 4-disk redundancy vs 2-disk for the same price. Running a significantly more redundant setup not only decreases the probability of an array failure but it should also reduce the mechanical load each disk experiences over time which should further decrease failure risk.