HFS+ or AFPS for basic 'drag and drop' hard drive backup
I recently upgraded from a late 2013 iMac (1TB storage) to 2024 Mac Mini (4TB storage) and have purchased new external hard drives to hold my backups.
I have an 8TB hard drive that I have been backing up Time Machine to, but would like to back up to the 4TB hard drive by simply drag-and-dropping files manually in Finder so that it is less reliant on special software or one specific computer to access the files. I would also like to encrypt the 4TB hard drive with a password. I wouldn't be saving versions of files, just overwriting old copies as Time Machine is for saving versions.
Recovery would likely involve a Mac computer as, other than a Samsung phone, I only own Mac though friends and family own PC.
Which format is better to use for the 4TB hard drive, HFS+ or AFPS?
Thanks for any advice you have!
Mac mini, macOS 15.7