Is exFAT a concern in 2021? [closed]

I am buying 2 TB external HDD. It will mostly be used on windows system but once in a while I might want to use it on a Mac. exFAT seems to be the best way to go about it but I came across a couple of articles that suggest that exFAT is more susceptible to corruption because it has only one FAT file table.

Should I be concerned? Any better way out there? Any watch out points if I want to use exFAT?

The exFAT disk format is not a problem as long as the disk functions correctly.

If the disk goes woefully bad, the one FAT file table is not the biggest problem, since you will need to anyway recover the contents, and there will be various warning signs before the disk dies.

The best insurance is not the disk format - but keeping backups.