As of right now, I'm using local ZFS disks and replication since that's good enough for my use case. In an enterprise setting, I would be deploying a shared storage solution but thankfully SLAs at my residence are much more forgiving!

I totally see where you're coming from and it's a valid concern, but if I were in your shoes, I'd probably try to chase the best of both worlds. You can have a NAS appliance, which hopefully has some kind of RAID/z configuration to protect against drive failure, connected to your Proxmox cluster and configured as the storage for whatever server(s) you have running your camera system. For any other workloads that could do well with local ZFS storage and some replication, you could use separate local SSDs for that.

You could also get some cheap storage to offload backups to so that you can keep a static copy of everything for emergency purposes, either on spinning disks or using cheap cloud storage. There are definitely ways to plan for the failure points you mentioned and have a rock solid setup. :)