Why still USB 2.0?

In addition, USB 3 cables require a lot more wires (conductors).  This means the quality of individual conductors will suffer.

Plenty is right, get over it.

Plenty of people in the "more is ALWAYS better" camp. Doesn't surprise me in the least that some think having a transmission speed that is almost 1,800% higher than the max needed isn't good enough. 

Similar thing with formatting USB file systems for music etc.

I tend to prefer exFat because it outperforms the much older FAT32.

Yet FAT32 is the only one that most devices recognise.

Oh well, FAT32 seems to do the job well enough!

I guess if good enough is good enough, then what’s the point of unecessarily over engineering and risking yet another bout of audio nervosa?

I always try exFat first with a small sample.