I agree Mariner that there are many items in an aircraft that could change your decision of whether to fly or not. But these are usually planned. If you are flying IMC then you know you are going to use an AI.
But a chute is something you would never 'plan' to use. It should be treated the same as a fire extinguisher and only ever used in an emergency.
You wouldn't file a flight plan that said I take off from X but there may be a chance that I cannot land at Y so I am going to pull the chute so I can get in a field.
For all intense and purposes your planning and perception should all be done whilst you pretend that your aircraft does not have a chute. The chute is a last resort when if all your good planning goes wrong for a an unforeseen reason and there is no other alternative. Even then, for the safety of people on the ground, if other methods are safely possible then they should be tried first.