Pageouts/swap used are different than scratch disks. They work in a similar manner, but scratch is application specific. Yeah 3-4GB is big. Not many people on here get quite that big, so they can usually fit it in ram. I just emphasize memory as it tends to be faster and often cheaper these days. The RAID could work, but it will slow down on saves if you're using it for storage as well as photoshop will be writing scratch data when it goes to compress the images (enabled by default). Worst case scenario spotlight will slow down the process even further if it's set to keep track of the raid.
I don't work with these file sizes everyday just once in a while.
The main reason I am building the RAID is primarily to hold my working files.
They have been sitting on a single drive till now but since I have a few of the same drives I
thought I would RAID them to get a little more speed out of my setup without spending more money.
I agree with more RAM but my slots are maxed at 4x8GB.
I would have to remove all my chips and buy new 16GB chips.
I have done a few tests with these drives set up in 3 drive RAID and got over 500MB out of them.
Of course that is best case scenario.