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 For SOHO use EXT4 on any debian OS and FAT32 for USB stick for easy interoperability with WIN/MACOS/LINUX/ANDROID #disk #format #filesystem NFTS for large disks primarily for WIN use. use LVM for multiple disk in linux https://image.nostr.build/6cba00fb173513b8b25b7700dad4f4bd51c9a58689f715e2666fb8a0a4efdb5f.png  
 I use exfat for USB interop, it seems to be ok. The Linux tools are good, mkfs or gparted work. Files larger than 4gb is nice. 
 exFAT is fine for USB/SATA sticks for connect win / mac / andriod once in while - otherwise pure linux use only ext4 is best SOHO type use  
 sample speed check on mSATA SSD at SATA 3 6Gb/s for four diff type of filesystem partition - https://image.nostr.build/77e84abc197ea9143e22910c23cad201df0d5a57bfc047d5ea36c2c784f33c72.png 
 Different beast but my fav for years-  Network attached, multiple different disks, redundant, posix, snapshots

Moosefs 
 I use ext4, zfs, and btrfs.  Most of my data is on LUKS encrypted mirrored ZFS disk pairs, but my newest RAID mirrored pair is btrfs.