Not worried about what raid to set up with but just how the files & the OS should be set up on which drive (SSD or HD"S)? Or everything on all drives like the OS, Programs & files in raid or do i use two SSD's for the OS & one HD for the programs & files? Do the programs or apps go on the same drive as the OS or with the files
Any file/program that you want the benefit of the SSD speed need to go on the SSD. Everything else such as just files (pics/music/movies/whatever) should go on the HD.
I think you know that much.
Raid 0 is a performance raid. I don't see a need for you to use raid 0 for data (pics/music/movies). If anything use Raid 1 (mirror drives) for peace of mind.
Like electrontau said, Raid 0 has a higher risk to fail and I know how I would feel if I lost all my pics/music/movies.