@CCTM. All good valuable points.
@seano33. I'm not familiar at all with Ableton and have only occasionally used Reason. Reason would allow you to put the samples/refills etc wherever you wanted and point the app towards them. I would think (although I may be completely wrong) that if you had a laptop with Reason and the samples on the same drive but you pointed your laptops version of Reason to the local sound samples, you'd be ok. As I said though, I'm not exactly up to speed on this.
The sending of sessions to other producers has always caused some issues since the advent of DAW's and not just with sound sample libraries. For example, I really like the Waves CLA76 compressor and the SSLG strip. If I send my Logic session to another producer or mix engineer and they haven't got those plugs, they are stuffed. The same thing applies to the sound sample libraries, especially the ones outside of Logic (because with Logic you can save all the assets and send the whole thing to someone else).
What I tend to do before sending multi-track sessions to other people is bounce down any audio/midi with stuff like compression, EQ but not reverb and delays etc. It all really depends on who I am sending it to and what they want to do with it. I certainly bounce all midi down to audio because the person receiving the files may not even be using Logic.
For your own use, it shouldn't be hard to duplicate a working system on a laptop but sending stuff out is a different matter.
I think you should decide on a method of allocating your HD's for what is going to work best for you and your working method and then go from there.
You are right in that you shouldn't really install an app (that has a proper installer) to anywhere but the Applications folder in /Applications.
Mirroring doesn't improve performance because you're not actually splitting the load across drives or SATA busses, it's mirroring, ie, the same data going to two different places. With striped you have different data coming from two different drives simultaneously hence relieving the load on each drive/buss.
I hope we're not getting further away from a solution for you, but it is good that you are thinking along these lines, thinking ahead and what is going to work best for your workflow. There is not, unfortunately, one correct answer.