The result would be massive publicity and chances if killing someone on the ground are pretty high.
I think the chances of killing someone on the ground are very remote and out of the I believe 276 saves from BRS I have never heard it injuring an innocent 3rd party on the ground
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admittedly these were not all over built up areas but nevertheless I perceive that risk miniscule and certainly relative small to the greater risk of aircraft in general risk of having airport near built up areas in the first place.
I would glide away from the built up area and then pull the chute or use my skills to force land.
In your exact example the 1000ft is a critical altitude, below this the Chute is not proven to be effective (although it has been many times) so that was my reason for immediately and I do not perceive time to spend seconds weighing up options at that altitude, over 1000ft I would certainly attempt to glide in as clear a direction as possible and then do the deed.
I can assure you I would definately not stall and I have taken out a tree stumped hedge before so that does not worry me unduly : )
Entirely your choice, you also mentioned trees, they may well kill you as will Kart wheeling, post impact fire and in the heat of the moment misjudging the whole deal which I personally think every pilot in the world is capable off.
Let me ask you a question , with your loved ones on board would you 100% aim for that smallish field with a few trees?