The point is you have to take this into account, so the decision to go with a case insensitive file system has ripple effects much further down your system. You have to design around it at every step in code where a string variable results in a file being written to or read from.

It's much more elegant if you can simply assume that a particular string will 1-on-1 match with a unique filename.

Even Microsoft understands this btw, their Azure Blob Storage system is case sensitive. The only reason NTFS isn't (by default) is because of legacy. It had to be compatible with all uppercase 8.3 filenames from DOS/FAT16.