inexperienced users should always format in the 7k.

Historically a fat format on the pc enabled many more technics files to be accommodated on small sd cards due to the smaller cluster size, as much as up to 30% increase in technics/midi saves compared to a 7k format. The downside is that digital audio will not be available on a pc fat format card, just technics and midi files.

However nowadays for cheap 1GB cards it's immaterial since you can't fill a 1GB card within the menu system capacity of technics/midi without my special tricks to go beyond the 99 folder limit.