XFS and Ext4 filesystems have something called journaling.
Taken from Wikipedia:
A journaling file system is a file system that keeps track of the changes that will be made in a journal (usually a circular log in a dedicated area of the file system) before committing them to the main file system. In the event of a system crash or power failure, such file systems are quicker to bring back online and less likely to become corrupted.
The difference from both of them is that the maximum size for a XFS journal is 128MB while in ext4 it can take several gigabytes from your hard disk but it can be turned off if you do not care much about data integrity.
In the end its up to you and will always play with a mix of size occupied, data integrity and speed (non journal filesystems tend to be faster than filesystems with journaling turned on).