Eh, cheap motherboards aren't a panacea that can't hurt the rest of the hardware, I personally don't skimp on motherboards, and would much rather skimp on the drives themselves as I have redundancy and 1-2 drives failing wouldn't hurt too much. And data retention is my top priority.
Motherboards have fried connected hardware before, poor grounding/ESD protections, firmware bugs together with aggressive power management, wiring weirdness and power related faults have broken people's drives before.
What I've never heard about is a drive breaking something else in a system, but broken motherboards have taken friends with them more than once.
Not sure why you are being downvoted. The MB is a single point of failure in this system, the drives are not.
I’ve experienced many drive failures over the years, but never lost data due to RAID. Failing MB or PSU on the other hand has wiped out my entire system.