Well as I understand, if paths match exactly, it will read from the first and newest match. And if you write it, it will be written to the storage with most space.
fuse is installed by default. No worries, otherwise you you cannot use mergerfs in the terminal manually.
But note: Mergerfs is a good tool, but I would rather say it is experimental and not widely used.
If you need to merge folders, then use overlayfs or the older one: unionfs. But it will write changes to different folders.
I had taken a look at overlayfs before this one because it’s included in the kernel by default but it says it has only the option of an upper folder and a lower folder, so I couldn’t use it with five upper folders right?
Correct… you can use as much lower folders as you like and only one upper folder, where all changes will be written. In my view it is much saver and simpler. The only difference between both overlay systems is the write policy, where mergerfs have more options, but I would not trust it. Only if you know what you are doing.
Anyway… you can use mergerfs, but I would rather suggest to use mdadm RAID0 or as I use: BTRFS with subvolumes as a JBOD or RAID0, but yeah you need to make backups (since less secure, but high speed).