The storage of the floating point values natively (in 4-byte format) conserves much more file space than in ASCII format (which can be anywhere from 1-byte to 10-or-20 bytes per value).  But with external binary morphs (.pmd) you do run that risk of scene corruption.  I'd opt for the text method (disable the external binary morph preference) which takes a bit more disk space but is 99% more reliable.  The speed difference is negligible on load.

C makes it easy to shoot yourself in the foot. C++ makes it harder, but when you do, you blow your whole leg off.

 -- Bjarne Stroustrup

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