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Raid 5 in theory is 100% reliable - unless you loose 2 disks at once - but in practice as said with crap hardware, crap software, or crap techs you can loose everything. You still need to backup daily and weekly and have multiple backups offsite, etc.. People not familiar with IT don't understand that RAID has nothing to do with backup, you can still remove every file on the disk by accident with one mistyped command.
Over the years I have lost disks more than once with raid-5 or raid-1 and safely recovered by replacing the disk. I always configure raid-5 with one or more spares (besides the parity disk). That way when a drive goes out a spare is swapped in automatically - to avoid the remote chance of a second failure before you can replace the first one.
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