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Its just a matter of preferences though . As for the 'rake' or dividends in this case, its pretty much the same or probably just better in chips. It might seems smaller but you get dividends from The Vault even if you are not wagering any cent at all on that day provided if you have locked your chips. Even if you wager daily, thats even better because if you get alot more chips that means your share for the dividends will be bigger at some point
Well this is my personal point of view regarding this, you might not be on the same page with me but I think thats pretty okay though

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It is good that you mention it, in reality rakeback manifests itself in different ways in casinos, particularly "chips" makes a lot of noise with the vault issue, I have not been involved with their system either, but more by disposition of time than of interest, but it is interesting to know that instead of having stagnant profits in a casino wallet, they can be had by winning "something" in the vault.
By the way, good that $ 100k promotion. + $2k BTT.