All computer parts will fail eventually, including storage media. Statistically a home user's regular usage pattern is irrelevant to disk failure rates. They'll fail at about the same rate regardless of how you move your files around because home users don't stress the hardware.
Disk failure rates are well-studied, lots of hardware forums and data warehouse companies publish statistics. There is typically a curve that looks like a large U or a bathtub. A relatively high percent of parts fail immediately within the first few months (about 5%). It quickly drops off to about 1% per year for about three years. Then the failure rate increases rapidly over age, with returning to 5% per year failure after 3-5 years.
Always back up data because your disk drives will fail eventually.
Parallel drives like a RAID are not a data backup, they're a redundancy. If the data is corrupted or deleted it will be deleted on both drives.
The common rule is "3-2-1". At least 3 copies, at least 2 media, at least 1 off site. D2D2T, or Disk to Disk to Tape, is extremely easy and common in the workplace. Important stuff is maintained on the individual machines, and maintained on a backup server (second copy), and regularly copied to long-term storage with a data storage company on the cloud (third copy, second media, off site).
What you do at home with your personal files is up to you. I personally still recommend 3-2-1. Start with either an external disk or a NAS drive (you can get a cheap networked drive for about $100, and replace hard drives over the years). Then regularly copy it up to a cloud storage like Google Drive or Amazon Glacier or whatever you like.
With more and more of the world going digital, disk failures are increasingly painful. People used to have boxes full of photos and negatives that could be recovered even if degraded; today they've got a single hard drive with a decade worth of photos that can be wiped out by a random gamma ray. They had printed out copies of all agreements and contracts that could still be read when damaged by water, or kept in a fire safe where they were protected even if the paper got yellow and crispy; today they can vanish in a heartbeat due to a speck of dust on a disk platter, or a spark across an SSD board. Maintain backups.