In my opinion, it is not worth it in your situation to have a RAID 0 set up. I don't believe the slight increase in performance ever warrants the time and trouble involved. Not to mention that in the case where one drive fails, you will lose all of you data. In JBOD, you will retain the data on the healthy drives if one in the array fails. It will be time-consuming to recover, but doable. I like RAID 5 for the performance/security balance. You need at least 3 drives, however, and you lose one drive's worth of space for redundant info. Back when I had more money, I was looking at a couple of 5-in-3 drive cages, but now I'm poor
http://www.acnc.com/04_00.html
is a pretty decent site to learn all this stuff.