Sorry, yeah I prob dumbed it down too much by just saying the file system. But you are right that some devices will prefer a certain sector size, partition layout, etc, and while these can be done manually by the user outside of the device, its just "easier" for the vast majority of people if the device just does that for them.

Which IMO is where the whole "Its better to let the device format the card" came from. Because techs just got sick of trying to explain to less tech savvy users that "yes its possible to format the card in your computer, but just use the devices in built formatter handle it for you", because I know I told users that all the time back in the day, lol.