I haven't read everything but just to add something and maybe answer some questions...
The real gain in SSD performance is in access times and random operations. You also see the sequential bandwidth, but almost only when you move a lot of data at once. In day to day work you see mostly random reads. Random writes are cached, so any delays are not that noticeable.
RAID makes access times worse and a low queue random operations are the same or worse than with a single SSD. You can translate it into Q1T1 results in CrystalDiskMark, if you wish to compare it.
RAID 0/10 is faster if you work on something much more complicated with multithreading support. Usually, you can see it in enterprise environment, large databases and other things like that.
One more thing is that most applications are using data which is already loaded to RAM and are not loading much more other data later. This is why starting the application takes the longest time. So what's important is to have fast reading speed and/or access time to many small files - faster SSD controllers = more IOPS. Once everything is in RAM, then operates on this data. Most data on the drive is not linear, but spread on the whole drive, this is why random read and access time is the most important.
I can agree that all the noise about the fastest SSD is mainly only marketing as we can't really see the difference between higher PCIe 3.0, 4.0 and 5.0. SSD. However, if we take a look at results for much more demanding software that loads a lot of data, then the fastest SSD are actually much faster. However, it usually doesn't matter on our home PCs.
The same, marketing is translating their "top speed" SSD as sequential bandwidth. PCIe 5.0 SSD are advertised as the fastest because can reach 12GB/s+. Who cares when the performance in random operations is about the same as for mid-shelf PCIe 4.0 SSD.
RAM disk, even though in theory has much higher bandwidth than a SSD, it performs about the same in home/office environment.
This (a much more detailed explanation of what I said earlier - like!!!) is why I moved past constantly tweaking things in my OS... because some of the things we held true from back in the day don't matter today (like Windows swap file on a different HDD when using an SSD) because of technology. The tangible benefits are exaggerated by benchmarking numbers (12K is faster than 8K!!!). If you don't know how to interpret the data, you can get bamboozled easily. Like not working with large files so R0 offers almost no benefit and can slow down OS things). So to me, things like that feel like a waste of time to set up and configure
unless it's a notable (read: can feel the butt dyno) benefit for my use case. Adding items also tends to add complication and problems...it's like an onion. I follow the K.I.S.S method for 24/7 operations (tweaking and testing is a whole other story!) and it has worked out well for me over the recent several years, lol.
I guess to summarize an answer for the OP............. a single NVMe drive (NO RAID), no RAM DISKS, no nothing, is plenty for 99% of home users. A single NVMe disk is fast enough (for me). Users don't have to go through mental gymnastics to optimize their systems these days. Modern systems aren't leaving off a 10-20% difference like they did, say 10 years ago... more like 1-2%. For me, the most thought that goes into my builds for storage is putting the drive in the right slots (fastest for the drive, native controllers for SATA if possible) and partitioning it to protect files from the OS, allowing for an easy OS restore via image and not having to DL games again. But to be moving Windows swap file to another SSD/NVMe or creating a RAM disk (again for MY use case) isn't 'the way'. As Woomack described above, so few people can utilize the actual benefits (including the OP), it ends up being just another layer of complication and something that can fail and in the case of moving your Windows swap file, is actually slower on RAID0 due to the nature of the file size in the swap file.
EDIT: My current storage config...
1x 2TB NVMe (fastest I have). Partitioned for OS/Apps (500GB) and Games (1.5GB)
1x 1TB NVMe for other Games
1x 500GB NVMe ('slowest' PCIe 3.0) for the latest FS game since it's a pig for space...but can easily go on another NVMe
1x 2TB HDD for backups and cold storage (another is offsite at my mom's place that I bring back occasionally)
EDIT2: Also, using RAID increases costs significantly (at least 2x)... so for my cheap self, I better make damn sure I'm getting a tangible benefit if I have to pay 2x+ for my storage (read: any part).