You describe the situation for the former A-G as terrible - it's only terrible for him. No-one else gives a fuck as it doesn't matter any more.
I use NTFS on mine.
Windows obviously works, linux works well with NTFS-3G and I believe you can get NTFS-3G to work in OS X via macfuse.
If you would know the value of money, go try to borrow some. -- Ben Franklin