FAT file system for MicroSDHC - is it dangerous?

Question

FAT

Hello.
Today I decided to buy myself a new MicroSDHC memory card and during the selection process I saw such a terrible warning in the online store:
"Warning for cards with the exFAT file system: if you try to format to the FAT system, the card may fail, check the compatibility of this product with the device in which it will be used."
What nonsense, I thought. Physical sectors on a memory card should not function differently for different data written to them. Including if the data is a file system. I have several MicroSDHC cards with fat, but no glitches were noticed with them. What does this entry mean? Extra insurance and a reason to refuse a guarantee, or is there really something behind these words and I don’t know something about MicroSDHC cards?

Answer 1

Maybe it's about the SD XC card (more than 32GB) in the ad.
Indeed, if you insert it into the SD HC reader , then the OS will ask you to format it and that's it, the corpse.
PS with exFAT'om SDXC and go, it's not worth reformatting to another file system.