Go for a home server with FreeNAS or unraid. You can get a small case with 4+ drive bays (I would recommend external drive bays for easy access) and use a celeron+itx mobo. If you go with a non embedded CPU motherboard you can even upgrade it to a powerful home server after with an i5 or i7.
If you don't want to bother and want things to just work go with the first option.
how is it likely for a raid control to fail? - Depends. But it's super easy to replace with a new one of the same model, it will just read the raid topology and continue from where the old read controller left.
whats better - a raid card or use the onboard raid controller on a motherboard - If you go with raid 5 or 6 it is definitely a raid card. If takes DAYS to rebuild raid 5 on an integrated raid. But double check if the controller has hardware raid 5 acceleration.
which raid config is best for safty? raid 1, 1+0,5,6 - I would go for 10 or 5, depends if I want more storage (5) or read\write (10) speeds.