Its extremely arrogant and ignorant to tell someone how they should manage their files.
Yes it is. But it needs to be said. Do you also tell your doctor he's arrogant and ignorant when he gives you health advice ?
Just be happy I didn't charge you a consultant rate for my IT advice.
I want all my files on one single computer spread across two drives, with an external that I use for backing everything up. I nor anyone else needs to be told how to manage their data.
You want it there, but that doesn't make it safe or even useful. How is an AFP based NAS sitting on your home network different than having the data sitting on your laptop unused ? Well, it's different in that if you get your laptop stolen, your datasets are still online and ready to use, you don't have to restore them from your backup.
Again, feel free to follow my advice or not and feel free to tell your doctor all about how he's arrogant in giving you health advice, your car mechanic, how he's really ignorant about lubricants for your engine.