~ it may be helpful to consider what kind of overall look you might go for in the long run, as far as other accessories go. i think having consistently colored accessories is good taste. for example, on my red jeep rubicon i went with black and stuck with it. it really makes a clean look overall. plus, IMO chrome on a jeep is nauseating.
~ indeed, consider the options when dealing with the small nicks and scratches that are inevitable. black can always be spot painted, or even sharpied if youre lazy or looking for a temporary fix and the blemish is small. chrome, on the other hand... well, cant. if you can find a good method to touch-up chrome, let me know!
~ 99% of the time, chrome will be more expensive. but then again, if youre like me, saving up a few extra bucks is worth going for a desired look.
either way, when it all boils down, it is purely personal preference. besides, who cares what other people think if you like how it looks?