Normally, I have only formated cards once every several months or so, preferring instead to just delete all images after loading them into my computer... Starting yesterday I format each time I download.
Yesterday after taking about 50 shots, the computer refused to read my CF card. I have two different CF card readers, neither worked. I got an error message indicating that the card needed to be formatted before use, which I wasn't about to do because I needed those shots.
I finally had to put the card in the camera and plug the camera into the USB port (for the first time using this camera). That worked and I was able to download the images from the camera. Then I formated the card, removed it from the camera and placed it in the computer's card reader.. all is good.