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I'll bet Amadou has some opinions.
I'll shift the subject a bit --
I believe the 'better to erase than to format' reference goes back to the SxS cards - when we would often keep camera setup settings files on the SxS card - and deleting all Clips would not eliminate the setup file - while formatting would erase it.
In terms of XQD I always format in the camera. One reason is that the XQD doesn't have a 'write protect' switch the way SxS and SD cards do - which means that each time you insert one in a Mac the operating system wants to write a whole bunch of spotlight files on the card. Formatting in the camera gets rid of all those.