Oh don't get me wrong, I'm well aware of the reasoning for RAID for resilience and maintaining uptime, especially in a database use scenario amongst other uses. Equally it definitely isn't a substitute for regular backups as you pointed out. As for RAID 0 increasing the risk of data loss, that's something I'd challenge (regardless of the mathematics), a single drive dying is just as likely as a single drive working alongside another dying.
Someone linked this recently - https://techreport.com/review/26523/...-to-a-petabyte, although SSD may fail catastrophically, of those tested, they all surpassed their endurance specifications with ease, SMART reports the status of the drive (which can be easily be read in programs like HWInfo.). As long as you're not expecting to keep going past the endurance specs, I wouldn't imagine they're any less reliable than spinning plates of rust (in my albeit anecdotal experience so far, they're more reliable).