Go with the chute. Good ears don't do you much good if you are not alive. I hear all too often this sort of macho state of denial about chutes, somewhat similar to what you use to hear about seatbelts. "If it's your time, it's your time." That sort of nonsense. There are a number of situations where a chute is going to help: structural failure, unrecoverable spins, engine failure over inhospitable terrain, engine failure resulting in oil spraying on your windshield so you can't see to land, engine failure in total darkness, controls jamming or breaking, etc. Like someone else mentioned, you need to have a plan for bailing, and stick to it. Chutes don't open if you are already on the ground.
Michael