No one is saying P2P won't work. It's that client/server is more efficient. I'm not going to list all ways because we've covered it many many times. That said, everyone should be using server hardware. Sure your hard drive might not fail for 5 years, maybe 10. There's a reason people use these RAID cards and ECC RAM. Although things are unlikely to happen, in the event that they do, we want to be ready. Just a few weeks ago, I can't recall who exactly, but someone on here had their drives in a RAID 10 array. One of the disks died and he experienced 0 downtime. With a simple swap and rebuild like nothing ever happened.
Then again in that same time frame, there were two or three users who had a dead drive with no RAID (corruption due to power loss/etc.) They experienced days of downtime, wasted money on expensive consultants, and data recovery. All of which could've been avoided with a simple RAID array. In the end, it's up to you to determine how much down time you can afford. Just remember RAID is NOT a backup.
For most physicians, one day of downtime will pretty much pay for all this extra protection. For companies like Google, it's a no brainer. They make 72,000 dollars per minute. Even a minute of downtime is unacceptable in their case. It's not unrealistic for you guys to use servers with good hardware. You can get a legitimate SBS Essentials server for under 2k with RAID card, BBU, redundant power supplies, enterprise drives. You can even ditch the SBS Essentials and get Windows 7 if you're more comfortable with that. But come on, I even posted a video tutorial with step by step instructions for SBS Essentials. The new Dell T110s are using the same SandyBridge processors I specified in my server recommendations thread. Just slightly more expensive for slightly fewer features. But hey it's built for you and you get good maintenance.