RAID doesn't necessarily mean your hard drives are more prone to failure, but there's a bigger chance of data loss in RAID 0 configuration, I'll explain.
RAID stands for "Redundant Array of Independent Disks". It has different configurations, but since the choices given to you are 0 and 1, I will explain only those two,
RAID0 is simply a spanned volume. If you have 2 hard drives, and you create one partition in each, you have a minimum of two partitions in the computer. Let's assume you're using Windows, in this case you have one hard drive as C: and the second hard drive as D:
Now let's say these two hard drives are 1TB each, so you have a C: drive that's 1TB and a D: drive that's 1TB (approx). Now let's say you want to copy a single file that's 1.5TB in size, where will you save it? You cannot. Even though you have a total of 2TB available (approx), you have only 1TB in C: and 1TB in D:, in order to save the 1.5TB file, you must SPLIT the file into two parts, save one part in C: and the other part in D:
With RAID 0, you can COMBINE the two volumes as one, and have a single 2TB (approx) C: drive, and hence you can very easily save the 1.5TB file. There's one significant drawback of this configuration, failure in one hard drive will corrupt the data in the second hard drive as well, so yes, in some sense, a RAID0 configuration will increase your risk of data loss.
RAID1, on the other hand, uses the hard drives in a different way. In RAID 1, your total capacity is reduced.
Let's take the previous example once again- you have two hard drives, 1TB each. In total, you have 2TB(approx) of available storage space. But in raid one, the available capacity will be 1TB (approx). What RAID1 does is called "Mirroring". You will see only one hard drive of 1TB(approx), and the other hard drive will be used to "mirror" this drive. Whatever you do on your 1TB, will in parallel be done on the invisible 1TB drive. When you save a file, two copis of the file will be saved, one on your 1TB, and the other on the other (invisible) RAID1 drive. If your first drive breaks, you will always have an up to date copy of all your work and data on the second hard drive. It's unlikely that both the drives will break at the exact same time, hence a RAID1 configuration will safeguard against data loss from hard drive failure, at the expense of available storage space. RAID1 will also speed up READ operations, as parts of the file can be read in parallel from both the real drive and the mirror drive.
With no RAID, our example computer will have a classic configuration, C: and D: drive with 1TB(approx) in C: and 1TB(Approx) in D: (if you create one partition for each drive). The two drives will be completely independent of each other, failure of 1st drive will cause you to lose all the data in that drive (unless you have a backup), but will leave data on the second hard drive unaffected.
PS: If I was ordering this laptop, I would keep RAID disabled.