Still it is a shame that we're kept back literally decades when it comes to file exchange due to corporate culture polluting every corner of IT. Ensuring file export options plus file formats full documentation, should be among the most important requirements any software should satisfy to be even considered for professional use.
Alas you are right in that this culture is all over Corporate World (yes not just America). Vendor lock-in is something that's been with us since forever and I doubt it will ever go away. They might have gotten better at hiding it from obviously being spotted but that's about it and in some other cases it's still just as clear as always but the marketing people are still very good at selling it to customers.
Whilst at the same time missing a very important feature for portable storage - a journal.
I prefer having to replace a cheap flash drive more frequently than to lose data altogether.
Of course, everybody's use case is different and tradeoffs need to be considered.
Unsure about Android and ChromeOS compatibility.
ExFAT is much more complex and AFAICT it does not have a 2nd copy of all of its data. [2]
Anecdotal evidence is that I personally lost data on ExFAT file systems, but also have had many customers with problems when they figured to use ExFAT for my backup products. If I see ExFAT in a support bundle than -by default- my suggestion for fixing issues is to reformat to a different file system. More often than not, that's the end of the open support case.
Worked one day, then few days later plugged it in and it was all gone.
I kid, this is what I do. I've recently been backing up my family photos/videos to various media and I've been hashing each file and storing a hash file alongside the media to compare to in the future.
I not sure of Android compatibility though.