My method to get around this is setting up a specific user account for my TV. In the user options you can disable transcoding

Jellyfin? It’s always supported 4K afaik

And if you’re looking for a way to simplify the setup process: borgmatic

It depends how valuable your data is, what backup strategy you have, and how long you’re prepared to wait to get access to your data when a drive fails.

Personally if/when I migrate my main dataset to SSD, I’ll stick with RAIDZ2/RAID6.