The persistence strategy described here (mount -t msdos -o rw /dev/fd0 /mnt) combined with a bind mount to home is a nice clever touch for saving space. I don't know if that's also true for data integrity on physical magnetic media. FAT12 is not a journaling filesystem. On a modern drive, a crash during a write is at best, annoying while on a 3.5" floppy with a 33mhz CPU, a write operation blocks for a perceptible am…
This isn't true, I commented lower in the thread, but FAT keeps a backup table, and you can use that to restore the disk.