The snapshot would give a crash consistent view of things, as if the power cord were yanked from the box with the volume mounted. The desirability of such a thing depends on the running apps.
Why would iSCSI be limited to Windows boot? It could be used for storing VMs for vSphere or Hyper-V...
Stuff that costs a pretty penny isn't good for small business. They don't want to pay monthly fees running into the hundreds for cloud services and then have to depend on India for support. Having things local with a relatively automated backup that can be taken offsite is much preferable.
FWIW, I have had excellent luck with my collection of Seagate 2tb and 4tb drives in HP and SuperMicro rack enclosures in 8 and 12 configs. Also, their 1tb 2.5" drives in ProLiant DL360G6s have been good for me. I have had maybe 2 failures in 24/7 use over the past 2 or 3 years. None were "RAID"...
Roughly $25 difference. It really depends what you want to do with your storage.