I think you are arguing for the wrong reason or are arguing two seperate points that are subtely different. The failure of the ARRAY/windows is the important thing to remember. The array relies on two disks.
let us assume identical disks in a 2 disk array - raid 0. The probability of failure of the ARRAY/Windows is
1-(1-p)^n which was correctly stated above. Let us assume that the probability of failure p = 2% with regard to mean time to failure, then
1-(1-0.02)^2= 0.0396 or just under 4%.
Now lets look at a single disk which has windows on it. Well the probability of failure is 2%. So yes the probability of losing windows or data on a 2 disk raid 0 set up is twice as likely, however, I look at it slightly differently.
I say that because you don't know when the damn thing is going to fail! What matters is you back your data up externally regardless of how many disks you are using.
I used raid 0 on my old rig for two reasons. I thought it would be faster and I'd never set raid up before so I was doing something new. I'm now contemplating going back to it because load times in gaming it just doesn't feel as fast which at the moment is more important to me. The problem is my "feel" is highly subjective! It certainly was quicker with regard to shifting large files and writing to the array. Is it worth it? Well I still don't know! I sort of want to try it again but I'm realising that I can just shove a new disk in, lob windows on it, transfer the data and take out that 160g drive and bingo it's a backup! Then I can format the other 160G and use that for backup or in a an older machine for HTPC.
Does leaving a drive unused with data on it ever cause problems due to the period of time unused? I can't see how.