I think you missed what I said.You really think I am going to go out and buy a new and different OS system to get faster file transfers?
Then you are talking about the file system, and there's no file system that I know of that would help the small file transfer speed, and it's not that dependent on file 'overhead' such as allocation unit size.
When you go out and buy something new, you have at that time opportunity to read and understand the specs of that device, you can reserach what "OS" or chipset it runs, and then buy the better item if costs are close or equal.
I never said you go out and buy replacements, but many people do.
Allocation is not huge in overhead, it's relatively small amount of time to fill allocation after file contents. The overhead is all the CPU cycles and I/O in extra OS record keeping of the file being created. File create is more overhead than just re-writing into existing file. Devices that lack a full OS still need to do recording keeping of a file, otherwise it would have no way to access such file.
And yes, filesystem type makes a difference. Try file transfer FAT to FAT, FAT to NTFS, NTFS to NTFS. On linux do the same EXT4 to EXT4, EXT4 to F2FS, F2FS to F2FS. F2FS is about 8% faster than EXT4.
So, filesystem is very important when you frame stuff in "speed" context. Being able to tune parameters of the filesystem is also important, many times you can't because the device is hard coded and you have no way to change a parameter.
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