In my case, using XFS is only for /home because if I have to reinstall, it’s much easier and I don’t lose my files, not so with EXT4 or BTRFS … at least for me.
All this on my laptop which comes with two disks, a small fast boot SSD (32gb) and a larger HDD (500gb).
On the other hand, I’m convinced that the developers make the smartest possible choice of file management system and in the case of EOS they consult with the community, which is no small thing and I haven’t seen anything like it elsewhere.
I show my /etc/fstab:
$ cat /etc/fstab
# /etc/fstab: static file system information.
#
# Use 'blkid' to print the universally unique identifier for a device; this may
# be used with UUID= as a more robust way to name devices that works even if
# disks are added and removed. See fstab(5).
#
# <file system> <mount point> <type> <options> <dump> <pass>
UUID=xxxxxxxxxxxxxxxxxxxxxxxxx /home xfs defaults,noatime 0 2
UUID=xxxxxxxxxx /boot/efi vfat umask=0077 0 2
UUID=xxxxxxxxxxxxxxxxxxxxxxxxx / ext4 defaults,noatime 0 1
tmpfs /tmp tmpfs defaults,noatime,mode=1777 0 0