Just think of a HD.
The reason why we de-fragment our HD every now and then is because the reader is trying to read data, and if too many missing files it would slow down the process.
Flash memory and hard drives are two totally different animals. And, even so, defragmenting a hard drive in this day and age isn't nearly as big of a deal as it used to be, due to improvements in file systems and HD technology. In fact, I can't remember the last time I "defragged" a hard drive.
Formatting your card every time is complete overkill; though there's nothing wrong with it if that's what you prefer. I read a post once that tried to claim that using "erase images" somehow makes your card less stable, but that's absolutely rubbish. Erase images is perfectly fine and works much faster, and that's why it is there. The proper use for formatting is for when you stick a card into your camera only to find it is running an incompatible file system.



