what does the team think about zfs?
ZFS is a fantastic filesystem, but unfortunately not natively supported by SME. It is supported by Proxmox, though.
I am thinking 2 hard drives (raid) for /home, plus an ssd for the proxmox "/". Perhaps encrypted as well.
I'm really not sure what you're intending here, as Proxmox doesn't use /home for anything of substance, and I don't think that ZFS on Linux supports encryption in any event. Maybe it would help if I explained how mine is set up.
I have Proxmox installed to a (ZFS) mirrored pair of 2 TB hard drives. When installed on ZFS, Proxmox can use "ZFS" local storage, which means that the virtual disks for the VMs will be created as zvols (which act in most ways as independent block devices, and can easily be overprovisioned). My SME server instance is installed to a 2 TB zvol on my Proxmox host, and is installed as noraid/nolvm (no reason to use either of those when using a VM).
I can expand the storage available at any time (as well as increase the pool's performance) by adding additional mirrored pairs of disks. The expansion is seamless and immediate. I can take ZFS snapshots of any of the VMs I want, and replicate them to another system on a schedule--which allows me to restore the VM state over the network at near-wire speeds. And, of course, I have the data integrity protection of ZFS as well.