I don't quite understand your question.
You get the speed boost in raid0 because 2 hard drives act as one. 100mb file gets written on to the drives at the same time (ie 50mb to each drive) essentially doubling the speed of the drive.
When you start Photoshop up it reserves an amount of ram that you define in the preferences. So once you start editing a file, Photoshop will utilize every part of that. If you're working with huge file once it's used up all of that memory it's reserved, it will "overflow" into the RAM that isn't being used, and once that's filled up, it starts writing to the scratch disks.
So when we analyze the speeds of HDDs and RAM we can see where we can get a lot more performance. 5,400rpm drives are slow as molasses compared to 10,000rpm or 15,000rpm drives. Even those drives are slower than RAM, which is solid state, which is even faster than a SSD HDD since it has it's own dedicated pipelines to the processor.
If we build a machine with a huge amount of ram, say 32gb. In 64bit Photoshop you can reserve almost all of that 32gb, aside from the amount Windows needs. If you're running 64bit Windows and 64 bit Photoshop, it elimates the need for a scratch disk in the form of RAM since you can reserve the majority of the ram (above 4gb) for Photoshop. On a 32bit system a lot of ram is pretty much useless. On a 64bit system with 32bit Photoshop, all of the RAM above the 4gb mark can essentially be utilized as a RAM scratch disk. This is fast. It still is a bit slower though than reserving that full amount on a 64bit/64bit machine since it has essentially store the overflow data in another section...
Sorry, rambling, and I know it's not the most technically accurate response, but it hits key points