To be fair, if you are creating a simple NAS which is what it looks like you want, and you are adding a few simple plugins, FreeNAS is actually simple to run and maintain. First of all you need to setup email notifications so you will know when something goes wrong (unless it's a catastrophic failure of the system) such as a hard drive failure. If you use RAIDZ2 then you have a safety net against two drive failures which is better than most home NAS solutions. I think the real trick is to treat it as a NAS and not a FreeBSD OS. I say that because if you go into it only doing specific things to it and you are not trying to be a power user, things will be easier to fix. Your data will be at the same risk using a pre-built NAS or using FreeNAS, meaning hardware may fail, drives will fail. You just need to understand what to do if/when a failure occurs. If you stick with one version of FreeNAS and only upgrade when there is a feature that benefits you becomes available, then you run into less issues by far. I think most of our seen problems occur after an upgrade or just because someone is goofing around with the system. And ensure you have a good UPS which is no different from a normal NAS system.
Keep anything valuable backed up on separate media, I prefer DVD-R media to save off my family photos and financial data. My backups of my computers or any movies I may have, well if those go away because of some terrible thing, I can easily live without them. This is the same thing you should do with any NAS.
If you are unable to build a PC from the ground up then maybe this project isn't for you but if you can, there are many easy steps to purchasing the required hardware. The big thing is to know what your requirements are and fully understand that you cannot easily just add a new hard drive to expand your storage capacity of a previously existing pool.
Last note... If you want to treat FreeNAS as just a NAS and you have no plans to become a power user, which is fine, then maybe you should create a simple instruction guide like the one I attached here. This is for FreeNAS 9.2 version and I have not verified if it is 100% true for 9.3 but I did create this for myself. I have this printed out and placed inside one of those plastic document page covers and taped to the outside of my FreeNAS machine. What this does is gives me immediate access to instructions to replace my hard drives when they fail, and they will eventually start to fail. I don't want to look up the instructions to do this, I want them handy. I will update this for FreeNAS 9.3 for my own use. You could make something similar. And you are better off just reading the entire user manual at least one time.