A forced landing is not difficult for a properly trained and competant pilot. As long as you keep flying and land into wind the chances of killing yourself even if you hit something are small
This is probably where we disagree most I think their is quite a reasonable chance but most deaths are not straightforward engine failure and land in field but CFIT, loss of control in IMC and all the other pilot errors.
There are situations where I would pull the chute in the event of an engine failure over inhospitable terrain!
I think we are all agreed on that, other than maybe the the definition of in hospitable terrain.
The descent rate and impact is not a gentle thing and if it comes down on top of somebody it is you who have to live with the fact especially knowing you had perfectly tried and tested alternatives open to you.
About 21 ft per second and generally calm and stable, according to BRS them selves about the same impact as jumping from 7ft. I am not aware any innocent person ever injured on the ground following a BRS pull so rule this out of my decision making process. They also here a hell of a bang and generally look up to see what happening.
You admit to being low time and having little confidence in pulling off a successful forced landing.
I have round numbers 800 Hours fixed wing and 300 rotary, around half my fixed wing in Cirrus, my attitude has changed from yours to mine over the last 2-3 years and is based on instruction from who I consider experts in the filed of BRS
I think I have around a 70 -80% chance of successin a forced landing while under pressure, in typical terrain and typical european weather, I just think I have a better chance genererally speaking with the chute.
I would thoughly suggest you get a good instructor and sort that out so the chute becomes an option and not an answer to all which it is not!!
It is about a year since I had a good work out on PFL's so yes a good reminder which I will take up, I totally agree the Chute is not always the answer in all situations.
Sadly some with it just totally forget in the heat of the moment it is available.
If I wanted a twin and the chute option existed, yep, I would still have it in the tool box.