Isn't complete raid failure though related to the size of the array and the drive URE rate though? In a single drive failure mode while the array is degraded all remaining data in a raid 5 has to be read to reconstruct the data, a single URE will result in an array failure. From my reading around with consumer drives with a 10^14 URE rates arrays over 12TB in size raid 5 is worthless, raid 6 or 10 is recommended?
not sure what you are saying but I have had raid 5 with 4 drives previously and removing one drive from the raid doesn't cause raid failure. the raid works as it should. as a matter of fact it was completely hot swappable. as soon as i put a new 4th drive it the raid software just goes about doing its thing at the background rebuilding the raid again. the failure tolerance is always 1 drive in a raid 5 arrangement.
In raid 6 it may be 2 drives, but from what i read raid 6 with 2 drive failure, it takes a while and you will see significant performance degradation. plus you probably wouldn't run raid 6 in a 4 drive arrangement.