First off, I am not a professional forum poster and I do realise I don't post that well, but that's another issue with reasons I won't go into. But I like to debate, so....
i have a feeling this could go back and forward for a while but to respond to these points in particular, first off i wouldnt say im the average user. day job is a systems admin, weekend job is running an events photography business so ideally i need the spanned expandable storage with redundancy to keep money coming in even with a disk down. and like i say its not my only point of storage (which is where my argument is being aimed).
Yep it can go back and forth

In the day I'm a systems admin also. My hobby, and to some extent in the past an additional source of income is making music. Most of the stuff I keep on my RAID is audio material that I frequently need to hand. I use the RAID for similar reasons to yourself, to prevent against drive failure, expand beyond 500Gb storage (maximum at the time I bought the disks) and as a secondary dumping ground to get stuff off the local disks.
I do have weekly updated offsite copies on hard drives, and some redundant material on archive grade DVD's
as for never seeing that yourself, i have twice in my 10 years in IT. both cases on high grade server kit and both cases required full restores from tape.
Well that's just my experience, not denying it can't happen. It's just as likely the onboard controller on your mainboard can cause a similar issue, so I don't see it as an argument against RAID.
to reiterate my point (if it/i got blurred with last nights red wine), RAID should not be used as a single point of storage. even RAID1. at the end of the day if it was a 100% safe method of storage we would turn off our tape libraries and off site replication.
That statement sits better with me than some of your previous. Still, RAID 1 or RAID 5 is still better than one single disk if for nothing else to prevent against single drive failure. No it's not 100% safe. But it is a start.
Even in a corporate setting it's not uncommon for the onsite backup to be made to an additional RAID. That's essentially what I'm doing at home. I have other copies as well if required.
I agree that tape libraries for offsite storage are essential in a corporate environment, but they are not really within the reach of most home users.
I still disagree with your signature statement. It is an incorrect response to a very broad question and needs some elaboration as you have provided above to be worthwhile or meaningful. 'Backup' is a very broad term and as our discussion has demonstrated can be interpreted in different ways.