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SMART does not tend to notify false alarms.

So, if SMART says anything, dump the drive immedately. If SMART
doesn't say anything, be prepared to dump the drive unexpectedly.

The only use that RAID5 seems to have is that you can squeeze a little
more data storage out of your disks, at the cost of reduced
reliability and lower performance when problems occur.

I'm not going to debate failure modes, enough other more knowledgeable
people have written extensively on the subject :-)

-jim