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Consider mirroring, just about any motherboard besides the low end "all in one" support RAID0, RAID1 and RAID5 these days.
RAID is not a replacement for regular backups, but if a drive fails RAID will (a) allow you to do a quick intermediate backup to save your files changed since the last backup, which you would have otherwise lost and (b) continue working.
Hard drives are mechanical devices and it's not a question of "if" but more "when" they will fail. You could be lucky and the drive could still be going fine when you retire it in 5 years time... or it could fail a week after you install it. Don't leave things to chance!
BTW $400 should get you more than a single TB drive
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