When you "Rip" a CD you can save it to many formats - some have quality loss (MP3 for example), some do not (FLAC) - Lossy formats create smaller files allowing you to fit more songs on a drive, but at a lower quality. https://www.techadvisor.com/how-to/audio/how-rip-cds-flac-3690344/
Every time you format a disk you have to pick a file system type, as long as you stay under 32GB you're probably going to get the Windows 32bit File Allocation Table (Fat32) format
Pandora is 100% free (with commercials), the only cost to you would be the data rate to download the songs as they play.
No one will be able to tell the difference between a well-encoded MP3 at 320kbps and a lossless format. MP3 gets a bad rap for the lazy and low bitrate files that were circulating a the turn of the millennium.
With storage sizes like they are today, there's little reason to not use FLAC. If you're going through the trouble of ripping, at least save your master copy as FLAC, then encode to something smaller for your portable devices.
I pay 4 bux a month for ad-free Pandora
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