On-topic-ness is not (generally) related to whether a question is answered or not, nor is it related to the number of answers, nor to who answered.
If a question is poor enough to be closed because it's unclear or doesn't show any research, but someone answers anyway — perhaps with a good answer — then the question should be improved as well. Providing an answer in that case might ward off closure, because it shows that the question which should have been asked is answerable. But if the question is not made on-topic, then the presence of answers is not necessarily going to save it. Here's an example where the edit did reprieve the question and it was re-opened.
If a question is blatantly off-topic, such as a proof-reading request, then any answer will certainly not ward off closure.
Answering your own question is not a guarantee that the question will not be downvoted. Questions with a negative score, even if they have answers, can be removed by the system.
Providing more than one answer is allowed, although if the answers are diametrically opposed then there seems little point — but there may actually be diametrically-opposed answers. A question about split infinitives, or whether onto should really be two words, for example, might draw opposing answers. Each instance needs to be treated on its own merits. But answering your own question is allowed, even encouraged and the system does not prevent more than one answer. I have two answers for a UX question about photocopiers, because I thought of more than one solution.
In cases where an OP himself provides two different answers, what is being proposed is a beauty contest, where voters are encouraged to choose the best answer. This may seem rather unethical (because the OP gets rep for votes on the question and for votes which he can use to determine the best answer), but it's exactly the same mechanism no matter who thought of the answers — like the photocopier question I answered. It just happens to be the same user.
In the case in point, there may be no difference now between hard disk, hard drive and hard disk drive, but there certainly has been. Perhaps I should answer that question. Perhaps it should be migrated to a computer hardware Stack, if there is one, as that sort of specialist domain knowledge would appear to be valuable. I'm not convinced it's actually a question about English, and if it's not about English then it's off-topic. Answers are irrelevant to that judgement.