Bullshit, at least if one stays with Fat32 and something happens to the OS
and/or hard disk, one can at least use a DOS boot disk and examine the hard
disk when it's Fat. In all likelyhood also copy any critical data files etc.
off the hard disk before attempting a clean install or other restoration
methods.
I've already been glad once when XP would load the desktop no matter what,
normal or safe mode. On top of that, the Command prompt using the XP cd
wouldn't let me just walk around anywhere on the hard disks. That was enough
for me.