That's one of the caveats about the security of RAID - yes, it's a lot more unlikely for both drives to fail than a single one, but people tend to over-estimate how unlikely based on high school 'multiply the probabilities together' math which assumes independent events. If you buy two drives of the same make/model at the same time (probably from the same batch) put them in the same enclosure, in the same environment, with the same power supply, turn them on and off at the same time then there's a much greater chance that they'll fail together. Not to mention the obvious case of something physical happening to the NAS, voltage spike, lightning etc. Nor does it protect against software bugs, unintentional deletion etc. or one of the drives returning corrupted data without flagging an error. So you do get extra reliability - but not that much and it's not a substitute for backups. It's up to you whether you think that's worth buying twice as much storage.
You are correct with most would just buy the two they need, fortunately where I work I am used to wanting to stay away from same lot number things for cases like that, and I did actually buy mine separately one from Amazon and one from B&H probably around a month or so apart because I was looking for sales. Now yeah the vast majority don't do this, and to combine this with another one of your points I do keep an UPS connected to mine, because again my job as a technician for very sensitive electrical components we have everything connected to UPS for the very reason of power outages, voltage spikes, so I guess I am probably outlier because most things that wouldn't be thought of I did just because of experience.
But stuff like software bugs and all that I mean at some point when does it become nitpicking? not trying to insult or anything like that, but even a modern SSD that is rated for how ever many thousands of hours writing data can just fail one day, or your USB-C port break, or in both cases a fire or flood occurring. No matter what solution one chooses you can always think of something, even the whole 3-2-1 back up something could happen to all three.
While you did bring up excellent points for OP to consider such as the voltage spikes and lightning which something like a UPS does help prevent (because nothing is 100%). I just know OP is deciding on basically a computer as a file host or a NAS both being for home use, and both can experience near identical potentials both are subject to voltage spikes, lighting, flooding, fire all of them. Both can be connected via UPS to help minimize likelyhood of electrical issues. Both can have hard drive failures especially if like you said the hard drives/SSDs are of the same lot. They both can be hacked through your network but your files on both can be encrypted and you can have protection also at the router level. And actually Synology does have a recycling bin just like PC and MAC for accidental deletes, but I am not sure how large the files can be, but I know that Windows and MAC do have limits in file size also.