How to format usb to fat32 or fat16 as no fat32 option for formatting?

FAT32 also struggles with drives larger than 32GB if you're using Windows built-in tools to format USB to FAT32. Sometimes, Windows won't even let you format bigger drives as FAT32 through the default options, so you might need third-party tools. FAT32 doesn’t support permissions or encryption. So, your data isn’t protected, and anyone can access or modify files if they get hold of the drive.

Compared to NTFS or exFAT, FAT32 isn't as resilient. It’s more prone to corruption, especially if you’re frequently plugging in and removing the drive or if there's a sudden power loss. While FAT32 plays nice with pretty much everything, you might run into issues if you’re trying to make a bootable drive, especially for newer UEFI systems, which sometimes prefer FAT32 but have quirks.