It wasn't meant as a disparaging comment in the least.
I didn't know the details of you RAID knowledge, and I see it as a separate skill-set than Tech Support. I've met people who knew an incredible amount on the workings of computers and could fix about anything, but had never had access to RAID, and didn't know the details.
As for Mac compatibility, I had to do the research to discover what works. Of the items I've listed, I like the offerings by Areca. In my experience, they are very fast, offer features I need or would prefer to have, and are priced (street) well for the money.
No problem.
I came from a PC/Unix (non Mac) background with RAID, and had to do the research. I don't know anyone who just knows through osmosis.
Separation has a few advantages.
1. If there's a problem with the OS, it won't affect the array. It's far easier to fix the OS on a separate drive than loose the array. Super important IMO.

2. You get faster boot times. Initialization, particularly with larger arrays, takes longer than the time a separate drive can load the OS. Say 45sec with a modest HDD vs. 1 min 15sec or so for 4 drives. Additional drives increases the time a little.
For me, the first reason is enough on its own. A HDD for the OS is far cheaper than data recovery. It's also the reason I really prefer to have the PT backup feature. Last I checked, 12 drives is ~ low $40kUSD.
A good backup system is put into perspective when compared to this figure as well.
I wouldn't go with the 1.5TB drives. Too many issues with that particular drive, and I personally prefer enterprise units for RAID. I've seen too many consumer units self destruct in ~2 months or so. Not good.
Drive quality seems to be suffering lately, from what I've seen. Just check out various forums about issues, especially with firmware and DOA rates.