I don't think I've ever had a quality brand PSU go out on me. Software RAID like MD or ZFS works fine on basically any hardware, and I wouldn't use hardware RAID these days anyways.
I used to worry about that stuff and use enterprise hardware, but its just so expensive for decent performance, and so power hungry.
Like try and match even a budget i3-12100 or similar for single thread performance (needed for game servers mostly) and you really can't with used enterprise gear. Plus that i3 has an iGPU that can handle a ton of transcoding tasks, and ML for stuff like immich search or frigate object detection. And it uses about 10w or less most of the time.
Intel AMT also works for out of band management on consumer hardware.