Basically because it's a redundant server I don't really care about that only rarely gets fired up these days, and I have a second, identical controller for exactly the scenario you're imagining.

But really because I'm lazy and depressed and don't have the energy to take on learning something new (to me) like Unraid at this point. The same server does actually run software RAID for all the VMs' solid state boot volumes, just not for the mechanical drives that store content which is all replaceable anyway as it's freely available on Usenet.

Also, this is a personal system. I take much better care of my customers because I am deeply grateful for my 10 hour-per-week "full time" salaried job that I'm incredibly lucky to have in the first place and am currently doing from bed with my dogs right next to me. Well, I will be anyway after I hit submit.

Eventually.