Can you elaborate on this?
I'm using XFS in a few fairly large deployments and so far without any problems. Should I worry?
In the event of an error and journal replay, the filesystem metadata can be recovered, but not necessarily the data itself. ext3 tries to keep your data intact, or at least as much of it as it can piece back together. XFS (and I think JFS), if they don't know for sure that all the data is intact, just zero the file. This is by design, on both sides.
So in normal usage everything is fine; it's just a difference in error handling.
http://flamingspork.com/talks/2007/06/eat_my_data.odp
It's probably not the best choice for a basic desktop without UPS, though, or a laptop.
If you want full protection against those situations instead of praying that it's still the right data or that it doesn't happen at all, you need a copy-on-write FS, or enable data=journal on ext3, at a massive performance cost.