It gets repeated so often because it sounds like it would be correct.it is actually important, hence why it is often repeated.
Most people repeating it only do because they've heard it before and they really have no idea about it - like other common forum myths.
Using the default format option in Windows doesn't give you any of those choices to get confused with.Another factor is that not everyone understands NTFS vs FAT vs exFAT and depending on how you format it in a computer, it won't even work in the destination device at all - formatting in the device also prevents user error like that.
It just does it right .. every time.