I flew for fun, not utility.
I entirely agree, and this is an important consideration -
why do you want to fly? I don't for a moment knock a Chipmunk, or any other type, I point out that each type has it's favourable aspects. The favourable aspects are invariably balanced off against some things you should know about and consider. As long as you know about them, and factor them into the type of flying you would like to do, you enter the pastime informed, and hopefully having made a wise decision for yourself. For myself, flying is half fun, and half utility. The utility needs are entirely met by my 150, and it's a little bit fun too!
I'm not here to advance a 150, nor any other type as being superior, far from it. 150's, like so many GA types, are a large compromise - though less so in operating expense. Perhaps they are the antitheses of the Chipmunk, other than seat count. Fair enough, something has to be! But they fill a needed role, and are justifiably popular. I certainly know more privately owned ones than working ones - and they are flown!
I read frequently here of pilots expressing concern about the cost to fly. I'm confident that for every pilot who has openly worried about the cost of their flying, there is another who has budgeted well, and flies within their means. I opine that it would be unwise for a pilot to approach Chipmunk ownership with "flying economy" in mind, unless they are comparing it to Spitfire ownership!
I have a flying budget, and I consider how I spend it to balance enjoyment of flying, and proficiency. This summer, I hope to rent an hour flying a PBY Catalina, but ownership is certainly out of the question! I never expect to afford even another few hours flying one. It burns more avgas in an hour than my flying boat does in 20 hours. I'll give up 20 hours of proficiency in my flying boat - once! I maintain ample currency on many GA types, because I fly many regularly. I worry about the pilot who chooses to spend their budget to maybe fly once a month on the aircraft of their dreams. During those ten or twelve hours a year, their dreams are fulfilled, but ten or twelve hours a year is inadequate to be proficient as a pilot, particularly as a new pilot on an unusual type.
I salute aviation dreamers, I certainly was one, and to my delight, I have been able to fly nearly every light civil aircraft of my dreams, with one more to add next week. But a part of that has always being well current and proficient on something - even just the modest 150, so I was simply a good pilot, and ready for the next opportunity. Consider the cost of ownership, and how it will affect your flying overall, and if you can truly afford it, by all means, buy it and fly it!