Let me ask you a question , with your loved ones on board would you 100% aim for that smallish field with a few trees?
No but I have not argued 100%
Every situation is different and that is an on the day judgement. Over a heavily built up area? Yes I would take to the distant fields as I do NOT agree with you that the chances of a Cirrus coming down at a high descent rate into a school yard does not carry a high risk of killing someone on the ground.
Also you forget another point in that you are a victim of the winds of the day so still may suffer a 30 kt forward impact into a church steeple or building.
At least if you comedown vertically onto the church spire you will make a nice Salvador Dali style work of art
but it maybe painful to future family expansion
Do not for one second imagine that coming down under a chute does not itself carry risk at least with a flying aircraft you have control under a chute you have none.
Pace