I agree with BernH , as I said in post 2 BTRFS is not recommended for Raid 5, it is not stable yet. And, it seems, there is still time before it is, it is progressing very slowly. In my opinion EXT4 is the most stable option. But I think you keep losing sight that Raid is not a backup, you should educate yourself on this, you probably don't need it. What you really need is a good backup, not a Raid. I have not yet read anything on this topic said by you.
I consider raid as high availability tool for me. I already have things that I can't lose synced to cloud storage and the rest I can recover from other places but it would take time and would be inconvenient. That's why I'm paying extra money for raid storage, but would like to spent minimal time maintaining it.