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Recommend a distro for a just-works NAS/self hosting machine?
(programming.dev)
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Your os disks should be raid 1. I'd recommend a pair of onboard nvme or cheap ssds for OS. That's the part you don't want to be fighting with if something does go wrong.
It's trivial to replace a drive on zfs if one fails.
Hardware and software are both really reliable these days. If you're running something like proxmox then you also get easy snapshots and rollbacks.