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I would not just default to exfat because it is “newer,” it does have compatibility issues on non-windows systems. The implementations differ wildly.

Veracrypt. Make a file on your disk.

Don’t want a storage file?

Make 2 partitions, put veracrypt portable exe on the first normal storage partition. (fat32 is likely ideal here) Second partition formatted with veracrypt.

You asked a question and someone offered a suggestion you were not looking in the right place. Then you become incredulous at their suggestion and start asking a whole bunch of sarcastic questions implying relevancy.

How about you google you problem and figure it out? No one will help you with that attitude.