Ok so for you situation raid 5 access will be faster the both raid 0 , 1 and 10
You could save yourself some money by buying aless expensive card there are some really nice cards sub 600 that support raid 5 .http://www.newegg.com/Product/Product.aspx?Item=N82E16816131003
This is one of the cards that I have been looking at for my file server. For hard drives the 32 meg cache 1 tb drives are fine for raid.
If you have any question pm me