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What are the disadvantages of mirrored or RAID systems?

Mirrored drives or RAID drive systems cost a few hundred to multiple thousands to buy and set up.

Are all the drives internal or are they sitting right next to the computer?
What would you do in the event of fire, flood, theft or sabotage?
Could a power surge or lightning strike take them all out at once?
More disadvantages of mirrored drives and RAID setups.

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