Raid0 (combining both drives’ capacities) is not really tiered storage. You would want Raid1 (each drive is a copy of the other drive ), but doing this isn’t a backup. How will you be monitoring the drives so that you know if one of them actually fails?
I don’t think the RPi has a new enough kernel, but with bcachefs you can do tiered storage. By combining the storage of the ssd + hardrives, into a single block device, then make the ssd the read/write cache, and give the whole pool replicas=2, so that that if one drive dies you still have the failover of the other drive. Do be aware this setup is still not a backup however.
Totally reasonable, something like LVM can at least get you to a raid1 setup, pretty easily.