Data Protection for Photographers, created a blog post which essentially mirrored my own conclusions. You can read his scholarly take on the issue here.
So I've learned that every time I hit a nerve like this, it makes sense to delve deeper. One of the best suggestions to come out of the blog comments was the reinforcement of the idea to use a more advanced file system like ZFS (Unix) or ReFS (Microsoft Windows 8.1, a compelling reason to upgrade right there!) which is designed to combat this very problem. One of the most cost-effective and easiest ways for a technically-inclined person to do this is to download and install FreeNAS onto some old computer hardware and have that act as your server. It's free (except for the hardware), and your data gets the extra level of protection it deserves without you having to switch computers or operating systems.