Your reasoning sounds reasonable. 
But then why doesn't Quick Format default to "Yes" on Windows XP?
This really confuses me.
not sure but l usually use quick format on portable 160 gb drive l use on pc ps3
etc but use fat32 on this drive because have to to be read by the ps3
and used this for years with no probs a few times its said need to check for errors
but u just click quick scan and fixed in seconds never had to reformat
