In other topics I have read that Windows Fat16 should be used, not Fat32.
Then you read incorrectly. Fat16 is used by the SD library, and the formatter application that comes with it. It does NOT use any windoze crap to format the card, resulting in a card that can be used in ANY device.
Using the windoze formatter will result in a useless card, as far as the Arduino is concerned (as well as many cameras, etc.).