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I'd say RAID is probably a better early warning system than SMART. RAID will disconnect a drive pretty much as soon as it starts playing up, and a manual inspection of the SMART values will usually show why (eg reallocated sector count has suddenly changed from 0 to 50). SMART is obviously going to be more conservative before announcing a drive has failed; if the trigger thresholds are too low then it's going to significantly increase the warranty load on the manufacturer.
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