Yes but the full fuel payload of an sr22 is 20lb more than a tb20.
Some drivers may drive more quickly and some pilots fly more challenging missions but that still doesnt justify ignoring safety enhancements that would be just that based on two equivalent flights.
If the argument held true air bags could equally full into the same category.
However the chute probably does mean some pilots will fly profiles they wouldnt without. Personally i have never been keen on night in a sep, or for that matter flying over fog or very low cloud bases, i am not that keen on sea crossings if its rough but much more comfortable with a chute. So sure guilty i approach flying a sep differently if it has caps.