And if something happens like a storm or power surge and kills all your drives all your data is gone.
That's the case even if you're only using one drive, though, so I'm not sure what your point is. At least with RAID there's a chance that only one drive might fail and the array could continue working. Using an add-in card does add another component that could fail, of course, and RAID inherently increases the likelihood that you will eventually have at least one drive fail but the whole point (other than RAID0) is that the single drive failure won't stop you from working.
I really don't get why every response here to a question about RAID isn't "here's the answer" but is instead "eww, RAID, don't do that".
And if it's not a dumb raid, couldn't it theoretically be used to make smarter random accesses?! If you used sas or some naming convention then you could access multiple drives seaking data separately for reads for quicker access in the stack theoretically by trying to access up to 3 drives independently.
Most RAID implementations already do that, regardless of the type of interface. For reads, it acts like a striped array. If there is data mirrored on two or more drives, and a file is composed of multiple blocks, the controller (be it the OS or hardware chip) will read a different block from each drive so that it takes half the time or less. That lets mirror RAID reads be faster than a single drive. (All implementations may not be as effective at doing this as others, and it depends on the actual file data being stored, but overall it's faster.) Writes to a mirror aren't any faster than one drive since the same data has to go to both, and with RAID5/6 writes aren't any faster than a single drive because of the calculation overhead even though less data goes to each drive simultaneously, but reads are faster because it's a striped array. RAID10 gives you the benefits of both methods in both reads and writes.
RAID is definitely not a backup, and anyone looking to use it should be made aware of that if they indicate they think replaces backups (it does not "accomplish the same thing"), but that doesn't mean RAID doesn't have legitimate uses or that it's something outright BAD to implement. It may not be of value to one person but to another it may, even if it's only slight. Everyone's evaluation of the benefits and costs will be different.
The first one explicitly points out that they were comparing the RAID using Microsoft's NVMe driver to a single drive using the Samsung NVMe driver, which has a significant performance benefit. Would have been nice if they tested the single drives using the Microsoft driver in order to show whether non-Samsung drives would be better with a single drive or not, comparing apples to apples. (Though it was titled as a test of Samsung drives in RAID.) They were also running up against the bandwidth limitations of the communication to the CPU, since both drives were running via the chipset and the DMI interface.
The second is even older, and runs into the same limitations. Those are really old articles. It would be nice to see newer tests done with new drives AND new chipsets. You can now run systems with two NVMe drives connected to the CPU directly, or at the least with only one of them having to use the CPU-chipset bus so there is less or no bottleneck, and of course the RAID functionality has presumably been improved. And there's the option of using the PCIe slot connected to the CPU with one of the add-in cards to run the RAID.
For normal real-world usage, no, there's probably not much visible benefit, if any, in terms of performance with RAID0. It's not often that anyone is really just waiting on the drive except when doing a large file transfer (since Windows itself totally kills performance of large amounts of small files). Some games might load faster if they are bandwidth-constrained. But the loading of most applications that everyone uses won't be any faster at this point because the files being loaded just aren't that big and the CPU still has to process them, and the time loading them from disk isn't actually the bottleneck. (Making PCIe5 SSDs even less relevant; there comes a point that doubling bandwidth or capacity every generation is not a big deal.) But, RAID1 does still offer the benefit of redundancy. You can't just dismiss that as never important, IF a particular user considers it a useful feature, and the potential of faster reads occasionally is just a bonus.