> It's annoying that most file formats don't checksum their own content.

I agree.

> Even formats which should know better, like SQLite, delegate that to the filesystem, most of which are also not checksumed and which delegate that further to the storage.

I mostly run ext4 (desktop, laptops, etc.) but for my main server at home, it's a ZFS (mirrored) tank on an old server with ECC RAM.

And backups. So much backups.