It depends how much you are willing to spend
For normal users (soho/personal use) I would say one internal drive + external USB drive, which is disconnected when not needed is all you need. But nevertheless I wouldn't rely on internal drive only. There's too many thing that can happen with that, so external drive is must in my case. Even if you sacrifice internal drive.
NAS is fancy thing, which is not all that cheap (yes I know it's not all that expensive either), but it has few minuses, which people normally forget. First, sure it has RAID, but that's main problem of it. You can change disks without problem, but once controller says it has enough, you are scr**wed. There's not many people who can rescue data from RAID 5 where controller failed. And yes they do fail... more then someone might think.
So my suggest... get external USB drive and don't have it connect and turned on when not needed, and you will be fine.