For me, this has always been a non-subject.
Saying "I'd rather not have a chute onboard because I can land in a field" is a bit like saying "I'd rather not have that many lifeboats onboard my luxury ship because it has other factors which will save us" and we all know how that turned out.
Saying "because you'll get yourself into danger by relying on the fact it's there" is exactly what the "road hero dinasaurs" of the past said about anti-lock brakes, and air bags.
Having the chute onboard does not remove any options, it only adds to them. Whether you pull it or not is up to the pilot in command at the time.
For me : over water, forrest, built-up area (not able to glide clear), mountains, very wet ground, etc.. I'd look around, pick an approximate region to land in, position myself as best I can, and pull the chute.
It doesn't matter how much of a hero you are beyind a yoke, unless you have Superman-Vision you can't tell your chosen field has a bloody great pot hole in the middle of it that you're skillfully lining yourself up perfectly to place your front wheel into.
ABS, Airbags, Grippier Tyres, Crumple Zones, Safety Cells, Head Restraints, Improved Seatbelts, etc have all made driving safer, it hasn't instead caused everyone to go completely nuts driving around like F1 super stars. Of course, one or two people are predisposed to thinking "wow! I have a chute, I'm invincible!" and if you're one of those types of people then deliberately selecting a more dangerous aeroplane to temper that probably isn't the right solution for you. Fortunately, I'm not predisposed to this kind of thought process, so would rather have a conveniently placed ADDITIONAL safety mechanism within easy reach, should I deem it appropriate in an emergency.