RAID1 Sucks nuggets! In a home computing environment it's ONLY for the extreme anal retentive who doesn't understand RAIDs at all. I seriously believe that. So do most of the IT old-timers I know.
When a drive breaks 90% of the time it corrupts data for a few weeks or months first. In a RAID1 configuration all of that corruption will be copied over to your other drive(s). Drives do break suddenly but it's rare and that's ALL RAID1 is good for. It's a total waste of money. You are buying twice the hardware and getting absolutely nothing for it except a higher power bill and probably more ambient room noise.
Personal Computing + RAID1 = SUCKS!
I'm not sure that you understand how RAID1 (mirroring), works based on what you said there.
In a software RAID1 configuration (lets say XP/Vista/Server scenario) if the primary drive dies, your machine doesn't boot. In a hardware RAID1 scenario, depending on the RAID hardware manufacturer, it may just beep, poke you in the shoulder, send emails, scream at you that one drive is damaged and keep the system up and running by automatically switching over to the "good" drive. In either case, if the secondary drive dies, you are notified one way or another (beeping, popup message on screen, etc...).
In a RAID setup, information is NOT continually copied from one drive to another any other time other than during the creation of the mirror (unless you happen to have some 1970's ESDI RAID1 controller?).
If info on 1 drive is corrupt BEFORE the mirror, and you create a mirror, THEN and only then is corrupted data written to the mirror. All other times, data in the cache (RAM) is written first to the primary drive and then that same data from RAM is written to the secondary drive (in an IDE or SATA setup) or written concurrently simultaneously in a SCSI setup.
Honestly, for a home user, a RAID1 external solution is probably the best bang for the buck. It means that they have 2 copies of whatever they copy to their external array. It also means that they don't have to purchase a unit with more than 2 drives and for archival purposes, do not need BLAZING speed to get the data there... just turn on the drive(s), copy the data there on a regular basis (once a week perhaps if they take that many pictures?) and turn them off right afterwards, even further increasing the lifespan (MTBF) of the hard drives.
Doing it this way means you are spending a lot less and accomplishing your goals... which is to find an effective and economical means of protecting your data.
Of course, to date, there are no realistic 100% effective solutions that last forever, so it doesn't hurt to hedge your bets by diversifying media. I use a SAN and a couple of 1 and 2 TB external drives, but I also save on my local hard drives (my local HDs on most of my computers are RAID0 of 3-4 drives depending on the computer... zero redundancy, but great for speed), and DVDs. It all depends on how much you value your data and how much you want to spend. One cannot get it much better in terms of least $ spent and effectiveness than an external 2 drive RAID1 setup.