I saw the thread title and assumed it was about slagging off the One
[360 greater than One]
Cross generation save transfer is wholly dependent upon whether the game maker has chosen to implement it, and how.
eg For COD: Ghosts and Battlefield 4, your multiplayer character's stats and level etc. are kept on the Activision (COD) or EA (BF) servers, tied to your Gamertag. Both games allow you to transfer your character from 360 to Xbox One or PS3 to PS4.
I have found this info for FIFA:
http://www.easports.com/uk/fifa/news...n-carryover-uk
http://www.easports.com/uk/fifa/news...y-over-details
As for NFS and FIFA wanting to download each time...Shouldn't do that. Every Xbox One game must be installed to the HDD before it can be played, whether it is a disc-based game or a digital download. But once installed it should not keep reinstalling or redownloading - any further changes should simply be the occasional update.