Depends what you consider hardware and software.
Windows software RAID compared to motherboard RAID, no notable performance difference really, in fact the Windows software RAID will usually outperform motherboard RAID. A quality hardware RAID card with its own memory and battery backup however is a different story.
Balancing how important your ££ is vs the data on the RAID setup, monthly backup would be cheaper!!
(I have to say, I reckon one of the more useful features of Win pro over Premium home is the software raid functions, And it isn't even really advertised! Why not??)
The average home user would probably dive for cover if you said raid. People who know what it is know it is there and how to use it. no need for advertisement.
What is Software Raid called in Win Pro? I've been using Ultimate for a couple of years, but as I use raid via my bios I'd never looked for Raid WITHIN windows.