Hi ZD,
Not sure if you are aware that NTFS is also a journaling file system. And one that has proven to be very robust IME ever since XP (which could run on either NTFS or FAT32) was introduced in 2001. FAT32, of course, is a disaster waiting to happen in terms of robustness.
I have no idea either why some people report that Win 8 sounds better than Win 7. And I doubt that anyone else can say for sure, either. I am not, btw, into computer audio at all at this point, and I don't envision pursuing it in the near term. Despite being a technically oriented person, somehow I always seem to be among the last to get into new technologies :-)
Also, based on all I have read about Win 8 and 8.1 I have no plans to ever "upgrade" to it, due mainly to the many reports about its user interface and other features being unfamiliar and cumbersome, and given that Microsoft has indicated that security patches for the excellent Win 7 will continue to be provided until 2020.
Re backing up, as you no doubt realize, despite the robustness of journaling file systems there is always a chance that drives can fail at any time, and that operating systems or data files can become corrupted. My practice is therefore to back up data files almost daily to a second hard drive (internal or external), and to back up weekly or so to another hard drive, and to create a complete image of the "system drive" (usually the "c" drive in Windows) once a month or so. The imaging program I use is Terabyte Unlimited's
Image For Windows. In doing so, I can recover from a drive failure, or a software installation or software update that goes awry or that I don't like, or a corrupted operating system, in an hour or so, plus the time to obtain a replacement drive if necessary.
BTW, although I've been mainly a Windows person over the years, for a couple of years several years ago I dual booted Ubuntu Linux and Windows XP, mainly just to see what Linux was all about. It worked well for me, but ultimately there were too many programs I or my wife wanted to use that were designed for Windows only.
Best,
-- Al