You only need to do this if the disk is in use actively. I do IT for a living and never eject the disk. I just know if it is use or not. I have done this tens of thousands of times.
Really you should have the mentality that the USB drive is a transfer medium and not a sole location for a specific file. USB drives are the least secure form of data storage by a mile, so if you are concerned about losing data due to corrupted file system on USB drive, you are doing it wrong.
If you yank the drive during a file transfer and the FS is corrupt, then just reformat and copy the data back on.
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