I am considering this option for my home NAS, running with BTRFS RAID10, plus important files are backed-up to a cloud storage, but not my media collection.
In your opinion, how risky is it to use refurbished drives ? Do you have to good or bad experience doing so ?
With raid 10 - i would not risk it . With RAID6 ( obviously not on BTRFS) it is fair game if you have solid return policy for drives which are DOA. Go for SAS drives, they are cheaper (but generally hotter and nosier). And look for old-new-stock on specialized sites, no one in enterprise needs say 8tb drives, so they selling them cheap at times.
Get drive, connect , run long smart self-test ( for 18tb it is probably take a day). If it passed you are reasonably sure that it will not die soon. And keep running these test regularly, as soon as they start failing, replace.