Thank you for the correction. Then it makes even less sense why exfat would corrupt "more", but apparently it does. (If anyone has an explanation, please share. )
I've read a bugtracker discussion a few months back, where people indicated, that even shutting down the Switch while a write onto the sdcard in exfat was ongoing would corrupt the filesystem - so in that sense it wouldnt be specific to the gallery hack. The conclusion drawn there was, that it was Nintendos exfat implementation, or maybe exfat on its own, that were to blame.
We also already have the possibility to inject the loaders at nsp launch, no information on how this affected file system integrity on crashes on exfat.
What retroarch seemingly implemented right now is an interrupt of the home button call, so the apps wouldnt crash, but rather have you exiting them cleanly to exit them at all.
All in all we are now at even more "hearsay" than we started with. And all I can say is, that I've been on fat32 since the beginning and never experienced any file system issues whatsowever.
And I've certainly exited RA via the home button by mistake before.

(Maybe not during diskwrites, who knows..)