SNS3Guppy
You must have a very jaundiced view of your fellow pilot?
I am not sure there are many pilots that would skip the pre-flight whilst thinking "not to worry, if something falls off the parachute will get me out of trouble."
I also dont think many pilots continue into IMC when not qualified to do so because they have a chute.
Pilots will go on making bad judgement calls as long as there are pilots. There may even be a very few pilots who set off on a trip they wouldnt have otherwise contemplated making because they had a chute. However, in the main, the pilot didnt make the bad call because he thought he could pull the chute, he made the bad call because of inexperience.
The Cirrus is just another example of an "advanced" aircraft that lulls the pilot into thinking it is more capable aircraft than it is, the chute makes very little difference and is not the factor you believe it to be.
In fact I'd take a bet with you that the majority of these accidents would have happened just the same if the aircraft didnt have a chute.