I have a Linux based NAS and that is fine. If only one drive fails then the other still has an identical copy. Swap out the dead for a new one and the RAID Array rebuilds itself.
I had a cooling fan fail after a couple of years and just replaced it.
Obviously as your budget increases so do your options, BUT so does the complexity and potentially your ability to support it.
For multi-PC or MAC homes then a small server becomes a realistic option as they can completely back up not just files but complete PC images so allowing you to rebuild a failed PC drive from the backups. My server backs up all our PCs and itself. A rebuild takes about 30mins and all you need is the server loaded USB drive to get you going.
NAS systems come with all sorts of backup and recovery tools these days.
For the highest level of 'Disaster Recovery' then external hard drives or even DVDs and Blu-ray data backups are another option, storing up to 50GB. Or USB drives of course...

. And of course off-site options can be considered. I guess the 'ultimate' off-site option will be in 'The Cloud' although you need a good monthly data allowance and reasonable 'upload' speed or it will take days to upload the first backup. After that it's only incremental so not so bad. There is of course an ongoing cost implication though...
