No.
No.
I’ve been using Kopia for all my backups for a couple years, both backing up my desktop and containers. It’s been very reliable, and it has nice features like being able to mount a backup.
It’s not a walled garden though, Valve made no attempts to lock anything down. You can install something like Heroic Game Launcher on the Steam Deck and play Epic Game Store or GOG games too.
For any family photos and documents you can’t afford to lose, make sure you have backups of it. A RAID array does not mean you don’t need backups: you want at least 3 copies, at least one offsite.
The copy in your RAID array is one copy. You can back that up to an external hard drive or something as a second copy. Then have an offsite backup on something like Backblaze as your third copy.
I can vouch for the node 804, although I haven’t used the others so I can’t say which is the best.