It won't push it more, but in Raid 0 with two disks for example if one disk brakes you lose all data, so you have twice the chance of failure.
I understand that you will lose the data on both but is that the only reason it is labelled as unreliable or do they add risk of physical drive fail
It's the only reason. I edited my post, seems like you want to use Raid 10, and thats safe to use anyway. Once again there's no added risk to physical damage .
You have an increased risk of a physical drive failing compared to 2 drives in RAID 0 or 1 because you have twice as many drives. If you lose the "correct" 2 drives in RAID 10 you won't lose any data from the failures.