NTFS on Mac OS X is not experimental or dangerous. Even a "newbie" can simply install NTFS-3G for Mac OS X and it works fine.
NTFS-3G has caused me problems, and I cannot recommend it. I've always had an issue of the processing using 200% of my CPU time (both cores 100% utilized.) I've done reinstallations, etc... nothing fixes it. It's more of a headache than a convenience in my opinion. If the OP has 10.5 Leopard, then by all means, use it. It seems to only occur with Snow Leopard.
Also, as for the built in Apple NTFS support.
It has the potential to cause kernel panics because it's not fully developed and supported by Apple.
Do a Google search on "ntfs write snow leopard kernel panic."
I have had kernel panics from it, and I have not used it since.
The OP should stick with FAT. It can be natively read and written by all common operating systems.
OP, the only limitation of FAT is that file sizes must be kept below 4GB. Any larger, and FAT won't take it. Just something to keep in mind when moving archives and videos.
Another idea is to look into EXT2 or EXT3.
EXT2 is better supported, but dangerous (especially for a portable drive) to use because of the lack of journalling.
EXT3 is less supported, but safe to use on a portable device.
What journalling does is keep your file system in shape, even if it is disconnected in the middle of a process. If you disconnect an EXT2 drive in the middle of a read/write, you must scan and repair the entire file system. This takes a lot of time. If you disconnect an EXT3 drive in the middle of a read/write, it will only try to repair the section that was being read/written to.
A note with EXTx file systems though. They're native to Linux. You will have to install the appropriate drivers to use then on OSX and Windows. Benefit being that they're free to use, have no usable limitation to file size.