Hmm I think RAID5 would be risky. If I have a 16TB array and then get a failure, resilvering would take long and that could bring a second disk down…

That is true, but I was indeed not counting it as such, I currently just have the cloud as a backup.

I understand, but I was thinking, since I have a cloud backup, if my drive(s) fail I cam still always recover, correct?

Yes definitely! It is personal data like family videos, photo’s and documents mostly. I’m using this nextcloud for the whole family.