Bad advice. You do not need or want FAT.
You want GUID and Mac HFS Standard Journaling.
You don't download when you write files, or when you format or erase a drive.
General purpose Mac troubleshooting guide: Isolating issues in Mac OS X
Creating a temporary user to isolate user-specific problems: Isolating an issue by using another user account
Identifying resource hogs and other tips: Using Activity Monitor to read System Memory and determine how much RAM is being used
Starting the computer in "safe mode": Mac OS X: What is Safe Boot, Safe Mode?
To identify potential hardware problems: Apple Hardware Test
General Mac maintenance: Tips to keep your Mac in top form