What you actually get, and what it costs you to rebuild
Usable capacity in both TB and TiB, how many failures the array survives, how long a resilver takes, and the odds of hitting an unrecoverable read error while it runs. That last number is the one that kills arrays.
The homelab default. Two-drive tolerance plus scrubbing.
Usable capacity is data drives × capacity × your fill target. Vendors sell decimal terabytes (1012 bytes); your OS reports TiB (240). That is a 9% haircut before redundancy, and it is why a "20TB" drive shows up as 18.2TiB.
URE risk is 1 − e−bits/rate, where bits is everything the array must read to resilver one failed drive. A consumer drive rated 1 in 1014 is roughly one error per 12.5TB read — which is why wide RAID 5 arrays of large consumer drives are a coin flip during rebuild. Enterprise nearline is rated 1015, an order of magnitude better.
Rebuild time assumes sustained sequential throughput. A pool serving live traffic will be considerably slower, and slower rebuilds mean a longer window in which a second failure takes everything.
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