Eric, I'd like to see some data on that statement. In all my years of using digital cameras, I've never worried about whether I format a card on my computer or in a camera. And I've never had an issue with a corrupt format that wasn't due to a faulty card...and that's been extremely rare. Which is not to say one shouldn't do it if you like, but I think using the word "definitely" without substantial proof is over the top. I'd have no issue with could, might...because anything is possible, right?
All the latest cameras use the exFAT format for cards of the size we use. It's an industry standard format that must be written to accordingly to be read by a device expecting to read the exFAT format. Image files are all stored in the DCIM folder and cameras add their subdirectory structure to it, if different than what is already there. If there is no DCIM folder, the camera will create one when you first use the card, no matter what device it was formatted in...as long as it's in an exFAT format.
Typically, cameras also add individual "housekeeping" files in the root directory. One of my older XQD cards that I haven't formatted in a long while has directories for D850, D500, Z9 and now Z8. I can swap cards between my Z8 and Z9 and they'll happily add the unique subdirectory names I use for the different cameras.
Of course you can't go using cards formatted in NFS or other formats...has to be exFAT.
Cheers!