So what kind of work do you do that you can justify performance gain at the cost greatly increasing your chance of catastrophic failure? Is there some app you run that is intolerably slow without RAID 0?
Unless you're connecting to a SAN which already protects you with redundancy I can't understand why anyone would use RAID 0.
Backups are great, but you're still SOL for as long as it takes you to purchase new disks reinstall and restore from backup (if your backup procedure works).