I rather not use fat32 because of the 4GB limit, and i really dislike command prompt stuff and rather just use a GUI instead for splitting NSP files, and not having to install stuff like python and so on to just clutter more on my windows ssd than needed, and rather just use exfat instead. But so many advice against that. Why is that? What's the worst that can happen? CAuse i do take backup of the sd card.