Ben,
I just, like a month ago, replaced my system drive with an Intel 240GB SSD. The system boot up time is like night and day. I keep all my data, however, on two separate 2TB internal drives, with one strictly for my docs and TS12 and the other only for T:ANE at the moment.
Even with the data on a separate drive for T:ANE, the program runs substantially faster and performing CM queries is faster as the program resides on the faster SSD.
So after hemming and hawing over the risks, this was the best upgrade I've done in ages and highly recommend doing it when you can.
RAIDs can be pretty interesting... They work, at the simplest level, as a single drive. The biggest difference you'll notice is the throughput being better because the drive can almost double its read/write speed. As Nicky said there's that inherent problem of losing a RAID drive member, and losing all your data in a RAID0 (basic RAID) as the data is striped across the individual drives. Other options such as RAID 1 and RAID5, have a parity built in and redundancy through mirroring. With this setup, you decrease the odds of losing everything, but you also lose one drive as you need one drive equal to the size of one of the member drives. In other words, you setup 3, 2TB drives in a RAID 1 configuration, however, you only get 4TB for use. The other drive acts as a parity drive which is used when one drive dies. The system is "smart' enough to know how to rebuild the bits and pieces from what the parity bits are set at!
Regarding SSDs in general. They read a lot faster than they write due to the way they work, but the write speed is still faster on an SSD compared to any regular platter HD configuration.
I commend you for your backups! Seriously there's too much at stake here, Trainz or not. Lightning can do some real damage whether it's a direct hit or not. I do, however, recommend unplugging your equipment during close storms as the lightning can jump over and through surge protectors and UPSs. I had that occur in a computer room a number of years ago. We lost two data servers and a whole bunch of switches after the hit.
John