For home use I consider TLER to be relatively unimportant. The cost and the fact that your data is safe (the system may just not be particularly usable for you until you offline the failed disk) are the primary considerations.
For work, TLER is important *if* you feel that high uptime, a failing disk potentially slowing your pool to a crawl (which may take some services offline like CIFS, NFS, iSCSI, etc.).
I've worked with enough systems to see the worst case scenario of not having TLER.
I've seen my system become as useful as a brick when a disk started failing. As soon as I offlined the failing disk the system immediately returned to normal. So I had to take a few minutes to offline the failed disk so the server could stream a movie. Not worth paying $100+ per disk for TLER in my opinion.
I also saw someone with about 50 VMs on 4 ESXi servers over iSCSI start hiccuping really badly because a single disk in his 30+ disk zpool started having problems (he had no TLER). His production came to a screeching halt because the storage was too slow. Offlining the failing disk immediately restored the zpool to regular performance.
I have also seen users with TLER and lots of VMs experience the same thing as the guy in the above paragraph. It was still devastating to his production, and he still had to do something about it, and immediately. Just like the guy in the above paragraph, offlining the failing disk immediately restored regular performance.
The catch is that the last guy had more legroom in terms of being able to function. He was still up, but things were incredibly slow. Unusably slow, but nothing went offline. For the other guy he had one ESXi host detach from the iSCSI disk, which kicks all the VMs offline.
So yes, there is value in having TLER. But there is also a cost with having TLER. So the real questions are:
1. How long will it take you to offline a failed disk if a failing disk were to suddenly affect your zpool catastrophically?
2. How much money is potentially going to be lost if your iSCSI disks, CIFS shares, or NFS shares end up getting kicked offline or timing out?
3. How drastic are the long-term consequences internally (aka, will your boss be furious if their email even sneezes)?
These are tradeoffs that you have to make. Generally, anyone here to build a FreeNAS server has already determined that consequences of going offline aren't significant. If they were they wouldn't be here in the forums, they'd be calling iXsystems for TrueNAS High-Availability system and 24x7 support contract so that if something sneezes they call a phone number and let a level 2 support technician figure out what is going on on a Saturday night. So with that knowledge and wisdom I think it's safe to say that TLER isn't a primary concern for the vast majority of users around here. There are exceptions, no doubt. But it's definitely not the norm.