Both Linux and MacOS can handle NTFS so if you are needing to store
files over 4Gb that's worth considering, but as you say - good old
FAT32 is still the one that is 'one size fits all' :-)

BTW - did you really mean SSD ( Solid State Drive )? Using one of
these as external storage is a terrible waste of money - SSD's are
much better as boot drives where their superior speed really makes a
difference !