Any file smaller than the stripe is NOT RAID0'ed so to speak. i.e. it will be placed on one or the other disks.
I would highly recommend smaller stripes unless you are doing video editing. The O/S is the main stay, and for this I would recommend 32KB. 16KB requires too much defragging all the time. 32KB is a happy medium between a good OS speed increase and good gaming performance. I would not suggest running 128KB as the OS just wouldn't benefit. Most files for an OS are tiny - .dll's etc and would highly likely be below 128KB. Most are around 20KB or so. This is why I suggest 32KB. Games will still load quicker, but the large cache files may not benefit as much as if it was a large stripe. The question is, how much of playing a game is actually the map loading, and how much is the reading of DirectX files etc and other files to bring everything into motion?
Just my 2p anyway.
I opted for 128KB for my 1 TB Raid 0 setup.
This will be filled with mini DV files that are huge and will help with video editing.
I have also installed my games on this array.
But just keep windows on a single 150 GIG raptor with two partitions.
One for XP and the other for vista (if I ever decide to use it!)