That depends on who you talk to, how many backups of their data they have, and whether they are willing to trade off time and effort to restore from backups vs spend $$ to buy extra disks to avoid the problem in the first place. I've got more money than I do time, so I went with RAIDZ2.
One viewpoint is that RAID5 should not be used for drives larger than 1TB, due to the risk of another read error during rebuilding a RAID5 array. Note that the article discusses RAID5, which is not quite the same thing as RAIDZ1. As I understand it, if you have a disk read failure during a rebuild of a RAID5 array, you lose all your data.
ZSH is somewhat more tolerant,if I understand it correctly, in that you would only lose the files associated with the block that had the read error (assuming you had disks with
TLER, that would skip over the error - if you've got cheaper disks without TLER the SATA controller may give up waiting for the disk to skip over the bad block and you'll lose all your data). WD Red disks have TLER. WD Green do not. Is that difference important with the SATA controller on your motherboard? No idea.
Also note that the risk goes up as the number of disks in your vdev increases. You're planning for only three disks, so that is a point in your favour. Once you are no longer a poor student, and are a rich working guy, you could add redo your arrangement to have more disks in RAIDZ2. But, make sure you have good backups of important files, no matter what you do.