You are right, backuping is right way,
But make backwards incompatible OS without warning users is not good way.
Uunaccesible drive/raid after upgrade – it is good, because I can connect discs to 10.3.x system and use data.
But destroing data on discs – it is the worse case.
If software RAID version was changed – system must warn users, and dont change anything on discs to prevent data and not destoy data and destroy RAID.
Unaccesible data can be accessed in 10.3.x, but 10.4 dont make data inaccesible, but 10.4 destoy RAID and data cannot be accessed anymore from any (old or new) system..