For SOHO use EXT4 on any debian OS and FAT32 for USB stick for easy interoperability with WIN/MACOS/LINUX/ANDROID #disk #format #filesystem NFTS for large disks primarily for WIN use. use LVM for multiple disk in linux 
Discussion
I use exfat for USB interop, it seems to be ok. The Linux tools are good, mkfs or gparted work. Files larger than 4gb is nice.
exFAT is fine for USB/SATA sticks for connect win / mac / andriod once in while - otherwise pure linux use only ext4 is best SOHO type use
sample speed check on mSATA SSD at SATA 3 6Gb/s for four diff type of filesystem partition - 
Different beast but my fav for years- Network attached, multiple different disks, redundant, posix, snapshots
Moosefs
I use ext4, zfs, and btrfs. Most of my data is on LUKS encrypted mirrored ZFS disk pairs, but my newest RAID mirrored pair is btrfs.