1st, thank you for all replies made, really appreciate the inputs given.
I will just do selective quoting and reply where I see necessary below.
How important is your data, and how much portability do you need?
Well, mostly are personal files, for big size like photos & videos, while important documents which are quite small compared to photos/videos, mostly are secured & backed up on external media .. "AND" ... compressed in cloud for portability reason
(no, please stop discuss cloud thingy again). We just don't or never have the need to access our family photos & videos while roamed out side our house, and I guess never in the near future too.
So regarding the importance of redundancy, my & wifey's data are pretty secured, at least to our requirement, and it has been for decades, and yes, we experienced and survived hardware failures like dead HDs or dead mobos while using fake raid multiple times in decades, so far we've survived and pretty content with our current strategy.
One most important thing we've learned, keep diligently and routinely backup important stuffs to external media, thats all we need.
While the OS and Apps, we consider it is "not" important/crucial, they can be scratched and re-image/re-install if necessary, infact I've been doing this routinely a full OS re-installation or most of the times re-imaging the whole boot/OS/apps drive for decades.
Old farts must be familar with Norton Ghost, yep, I've been using imaging tools since DOS era up to now in Windows with the free Macrium Reflect, it just work flawlessly.
Besides, ZFS calls for ECC.
Yep, decision made, ECC memory is coming as Ryzen supports it, even not officially.
Otherwise if you are as conservative as I am, go for EXT4.
I'm getting convinced, for the NVME boot drive, EXT4 is the way, especially for the ease of recovery.
I would consider using those 3 8TB drives as basis for a FreeNAS set up, but that would mean getting another computer suitable for that purpose.
Both me & wifey, had experienced NAS few years ago, and we both decided to prefer local storage.
ZFS can do many things that ext4 can't, and by design is more reliable, definitely ZFS. I will go for Option 3, or maybe an Option 4: Ubuntu 20.04 LTS + 1TB (ZFS OS) + 8TB ZFS + 2x8TB ZFS RAID1 powered only during backups.
There is an adventurous side of me that other option that I didn't reveal, it is for the RAID-Z1 to use a cheap 250/512GB SSD as cache. Not final yet, still keep learning, reading and comparing options.
IMHO - ? use a plain good SATA HD for your boot device
with regular ext3 - SAFE , FAST, BUG proof and very reliable.
Sorry Paul, probably I'm the one of those crowd that believe and experienced ... "once you're NVMEd, you will never look back" .. type of people.
Btw, both our desktops are covered & protected by UPS, and yes, they work flawlessly too when experienced power outages.
Keep going please ...