Advice for Building/Buying a Mac Compatible external RAID solution

Ok, so I want a RAID array that is compatible with Apple Mac OSX (and windows PC, preferrably, so I could later reformat the drives to NTFS if I so desired). I will be using it for video editing. I am planning to setup 4x1.5tb HDDs in a RAID-10 array (so I'll have 3gb storage with 100% redundancy). Does this sound right so far?

My question is, do I need to buy an external setup such as this 3ware (for $850):

Plus my 4x1.5tb Seagate HDDs such as these ($190 each):

Bringing my total to around $1600?

Or can I build this for cheaper, by getting an external enclosure such as:

or even better:

Plus an $80 internal controller card:

(would this be Mac Compatible and have everything I need? Why does the other one cost $500-$650 more?). I am also wondering if RAID-10 is the best way to go for speed & redundancy, and why some of these enclosures have 5 hdd spots? Why 5?
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  1. please help!

    Also I forgot to mention, it is NOT a boot array. Just storage, for video.
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