This can also really hurt in unexpected ways with otherwise badly written drivers. Nintendo's driver for the switch would constantly write to the table unnecessarily, and while this doesn't do all that much in normal operation (other than waste a small number of writes), it made it drastically more likely (in some cases for some games almost guaranteed) that the table would be partially written and corrupt if the system crashed or lost power unexpectedly. When some new Pokemon games came out and were initially a bit unstable this came up a lot.
That day might be soon
[0]: https://lore.kernel.org/linux-fsdevel/2911ac5cd20b46e397be50...
On the other hand I've been a heavy user of exFat formatted sd cards on Samsung phones for long years and had no problems with it, so hopefully the new Linux driver (which Samsung upstreamed) will be solid.