When the external disk drive is planned to be used with the MAC operating system and with Windows operated PCs, exFAT would be the recommended formatting for the external disk drive. This file system can be read by both types of operating systems and its speed performance, if the disk is formatted in Mac, should be approximately the same as APFS. However, as a rule, it is always desirable to verify speeds after formatting in order to determine that speeds are within some reasonable range.