I'm not certain why you feel the previous posts mix apples & oranges, or drift aimlessly - they seem pretty straight forward to me. You do need to take into consideration that they reflect the opinions of different people, who may sometimes not agree. I see two users who share the opinion that user error or user ignorance is a prime cause of problems, and another who feels the choice of disks is where the problem lies, an opinion with which I do not agree.
Onto the issue you raise however - backups are vital if archival data retention is an issue, however if it's not, and you're willing to risk the loss of your data (for whatever reason) then by all means don't bother about a backup - and if that is your approach, then might I suggest that you forget about RAID also - if you're willing to risk the data, then why waste 50% of the space?
You see, I know from personal experience, that data loss due to drive failure is not as much of a risk as it used to be.
Within the last decade drive reliability has increased tremendously - one of the earlier RAID implementations I did was a Y2K project, a Pentium II server with 3x4.5GB SCSI drives on a LSI RAID controller - over the first few years I experienced drive failures at the rate of perhaps one a year, that system was replaced in 2005 with another entry level system, this time running 2x80GB SATA drives in RAID1 that has yet to have a disk failure.
Both of these units were equipped with 4mm DAT drives and those drives saw plenty of use, mostly daily backups, along with the occasional restore of a file here or a folder there - we never lost data to a drive failure, but you'll occasionally have a file corrupted because of a power glitch or likewise.
Should I advise my client to stop backing up just because they haven't experienced a disk failure in almost six years? We just added another server, 2x250GB SAS drives, RAID1 and another 4mm DAT drive and that gets backed up on daily basis also.
Closer to home - I run 3x250GB SATA drives in RAID5 on an Adaptec controller, backup is the DNS-323 - I've had no drive failures on the main server, one on the DNS-323, restores of single files (one particular file to be honest) are frequent - due to the quirky nature of a very old mail system that I really should replace.
The question you need to ask is not if replacing the failed drive is sufficent, but rather "can I afford to loose this data" and the person you need to ask is yourself.
By the way - NAS & SAN are similarly sounding technologies with significant differences in the execution - the only similarity is that they can be considered storage at the other end of a network cable. A poorly implemented SAN installation will cause considerably more grief than a similarly shoddy NAS implementation.