> 1. Virtual disks don't degrade or have failures as like physical disks.
Wow - that is a tough statement !!!
In reality virtual disks can degrade similar to physical disks - the difference is that with virtual disks you dont get early warnings like with their physical relatives.
Virtual disks can become partly unreadable with I/O errors that are caused by VMFS-errors or flaws.
They can also become completely unreadable when the VMFS-metadata for thin provisioned vmdks gets damaged during power-failures.
Using virtual raids using software solutions is not a bad idea at all.
Actually it makes sense if for what ever reasons automatic daily backups with third party tools like Veeam are not an option - or are not implemented.
Anyway - do not assume that virtual disks can not deteriorate as long as the underlying storage is healthy.
They can die like physical disks - they just do not give you early warnings ...
@OP
there is no way to assign a vmdk to a specific VM that would work around the "are all assigned vmdks present and usable"-early check of ESXi.
You would have to use ugly workarounds via iSCSI ...
But would it be a showstopper ? - if the the software mirror of your important vmdks is missing you could still start restart your VM after a quick reconfig of the VM.
That would not be as flawless as software mirrored disk with physical hardware - but still better than having no backups.