Sorry, but I think that's poor advice.
We are coming from different directions in this and to be honest this is not the best forum to post these types of questions as the vast majority of people responding are from enterprise environments and apply best practices from those environments to their answers. Some of which are total overkill for home environments for most users.
Consumer drives are fine in RAID 0 or in RAID 1. Western Digital claim, "Desktop Class Hard Drives are tested and recommended for use in consumer-type RAID applications (RAID-0 / RAID-1)".
I wouldn't expect them to say anything else when they have other products aimed at that market sector. It would be like Intel recommending an i3 for small business server rather than pushing E3 Xeons.
You may get away with using them in a RAID 5 or RAID 6 array, or you may not. The more hard drives there are in the array, the greater the chance of running into problems. I think you'd be unwise to build a RAID 5/6 array of 8 consumer drives.
I believe the OP is talking about 4 drives. He was talking about 8 drives when using 2.5" drives not 3.5" drives. 4 drives in raid 5 should be fine.
The main difference between a WD Caviar Black and a WD RE4 is not the MTBF, but TLER.
I disagree. Double the load/unload cycle count is clearly the main difference. The fact that TLER is tuned for arrays in enterprise environments using enterprise level of hardware is another aspect of these drives. Running the RE4s without a cached controller (as the OP was looking at doing software raid) is just asking for corruption as the low TLER will sometimes recover and expect the controller to resupply the data as it could not write it correctly in the small window available.
I fail to see what using an enterprise drive (or not) has to do with "zero downtime if a drive fails".
Although this could have been clearer, the point was that RE4 drives are less likely to fail in a Raid5/6 environment and so if you cannot afford to loose data or stand time in recovery from backup and you have supportive enterprise level hardware then get RE4 drives. If you can stand some downtime to recover from a backup, which most can for a home server, then high end desktop drives would generally do judging by real world reports from users. Of course I am happy to stand corrected if you have experience personally of using blacks in raid 5 an them having issues falling out of the array. I have had this with Greens due to their aggressive power management but not tried with blacks.
I don't know how the Adaptec card handles JBOD.
The same as any other non Adaptec card does really.
If Enigmo was to use his Adaptec card with BBU and its onboard cache and was willing to spend the extra 25 quid per drive for the RE4 then that is probably the best way to go. If using software raid for the reasons stated previously then blacks should be fine but make sure you have a backup just in case (should have this regardless TBH as raid is not a substitute for backup).
RB