| I'm not advocating the use of FAT32 on large HDDs, all I'm saying is it can be done. External HDDs regularly come pre-formatted as FAT32. This is done to ensure compatibility with numerous different operating systems.|
Just as an example, a 500GB Seagate HDD can be setup as one huge FAT32 partition if Seagate's Seatools software is used to partition & format. The cluster size is also configurable using the Seagate utility so that slack space doesn't get out of hand. If someone wanted to, they could use a 4K cluster size just like NTFS does.
The Microsoft's format utility built into W2K, XP, etc is deliberately limited to 32GB with 32K clusters. If this wasn't done to force the user to use NTFS, then why?