DougPaul said:The reformat probably also clears the free block list which will minimize fragmentation.
The reformat doesn't so much clear it as blow it all away and write a new root directory and file allocation table.
Writing 0s everywhere places unnecessary wear-and-tear on a memory card
True, and similar to the reason I reformat instead of doing "delete all"; however, you will need a PC-based utility to do this; simply doing a reformat of the card from the camera will not.
FAT32 is a plenty good enough filesystem for this (and many, many other) kind of device. Just don't push your luck when the battery low warning sounds.