Actually RAID/volume management is superlimited when not in filesystem...

Sure; you want redundancy, encryption etc being managed at the file/directory object level. That makes perfect sense, and is exactly what I was hinting at by being able to stack "filesystems".

But we need a general solution for that. Not yet a 3rd one inside one component. Or, rather, maybe we need to start with that now, and then phase out or at least depreciate the past.

But what we definitely don't need is three or more permanent solutions to this problem.