Indeed. That’s how I populated my NAS with 3 10TB drives and saved around 120 dollars total, and this was 4 years ago.
These are the ones I got: https://a.co/d/8x58jBY
The only extra thing was disabling the 3v pin, and that was it. Been running rock solid all this time.
Just make sure to research what disks are in the external housings you’re planning on getting, as not all drives need to have pins removed/covered.
If by “average” you mean someone with little to no technical background AND not willing to make too much of an effort, it’s still super easy by getting something like a Synology or QNAP NAS.