The best bang for the buck for multiple drives is to get a HighPoint eSATA RAID card. The 622 is a two eSATA port card that can use up to 10 drives, and the 644 or 2314 has four ports and can use up to 20. eSATA port multiplier enclosures are not horribly expensive. A Sans Digital five bay enclosure, for instance, is around $200 USD from NewEgg.
RAID-0 (sic) shouldn't even be discussed. It's not RAID since R in RAID stands for redundant, and striping drives makes things less safe than keeping them on a single drive. (Is there such a thing as negative redundancy?)
The simplest RAID setup is simple mirroring. Most x86 motherboards support BIOS-based mirroring. I'm not sure whether Windows has software mirroring, but just about any Unix-like OS (BSD, OS X, GNU/Linux) has software-based mirroring. You can also buy hardware-based mirroring enclosures which appear as one drive to OSes which don't have support (such as AmigaDOS).
If you're worried about viruses, then that implies you're using Windows. There's nothing RAID can do that can save you from that. Your only option then is to maintain two copies of everything, which is what others have said above.