Metal sounds better than chrome? Don't know if you can make that as a general statement, but I'll bet the noise floor is much lower with metal. I'd bet the saturation level is higher with metal...I'd say the best chrome tapes are better than the worst metals, but.....
I agree....cost to benefit, I'd say chrome is the way to go for general recording and playback, but for your absolute best stuff, I'd say metal all the way. I am a recent convert too. Back in the days before CD, I used Chrome over Metal. Couldn't see paying the difference in price for a slight advantage in sound. Maxell XL-II was my fav.