Unraid doesn't support EXT4 for the array or pools, so that's one choice out of the way. 🙂
Multiple simultaneous writes are better suited for pools, the legacy "Unraid" parity array is more suited to write once read many, like media archives and such. The single or dual dedicated parity disks are the limiting write performance factor in the "Unraid" array.
Be very careful using encryption, it limits recovery options if things go wrong, so be extra careful with your backup strategy if you decide to use encryption. Good news though, each disk in the Unraid main array can have a different filesystem, so you can have XFS, encrypted XFS, BTRFS, encrypted BTRFS, ZFS, encrypted ZFS, all protected from single or dual disk failure by 1 or 2 parity drives. Parity in the Unraid main array is file system agnostic, it recreates the entire disk regardless of filesystem.
ZFS is only available in 6.12
Pools can be single volume XFS, or RAID BTRFS or ZFS. So, your storage can be tuned to your needs, fast SSD pools for high I/O, and mix/n/match disks in the parity array.