Your definition of "crazy" huge amount of data is pretty conservative. Your proposed solution would top out at 4TB, while most people I know who spinning up their own RAID at home are looking to store multiple tens of TB. For the cost of the solution you propose (4x 1TB @ $150/ea + $50 NVMe) you could set up an RAID-type solution with 32TB of raw capacity (4x 8TB @ $140/ea + $90 for PCie card and cables).