I trust MB SATA more in terms of reliability. HBAs tend to overheat too.
However, if RAID topology allows, I’d try to spread the drives such that either one of MB or HBA failing completely would not bring the array down (RAID10 with 1 HBA, or RAID5/6 with 2 HBAs).
Disregard the advice about SSDs. Start with 1 NVMe for boot and only add more if you have a need. Either for running VMs or if additional cache is actually needed.