Not sure how to do that in docker, I’ve run mine as a plain old PHP-FPM site for years and years. It might be something that can be tweaked using config files or environment variables, or might require building a custom image.
ClamAV is slow and doesn’t catch the nastiest of malware. Its entire approach is stuck in 2008. It’s better than nothing for screening emails, but for a private file store it won’t help much considering that you’ll already have the files on your system somewhere. And most importantly, it slows down file uploads 10x and increases CPU load substantially. The only good reason to use ClamAV for nextcloud is if you will be sued if you don’t!
It’s fine. RAID is not a backup. I’ve been running simple mirrors for many years and never lost data because I have multiple backups. Focus on offsite and resilient backups, not how many drives can fail in your primary storage device.