CHIRP has been way over-hyped. The ability to scan across multiple frequencies produces better target separation and increased sensitivity for spotting fish and bait up in the water column. You see real arches (rather than the artificial ones produced by older Navico units) rather than blobs. But the downside is that CHIRP sucks for seeing growth and fish right on the bottom as well as for discriminating hard vs soft bottom. It's also hard to track bottom when up on plane with most transducers operating on a CHIRP setting. A fixed 200 kHz frequency is much better for tracking bottom at high speed at least out to about 100 ft.
I bottom fish a lot in the Gulf of Mexico. I never count on actually seeing grouper on the machine. I look for live hard bottom, which most CHIRP units cannot see. That's why I keep a fixed frequency transducer connected as well as a CHIRP transducer. It sounds strange, but the ability to distinguish hard vs soft bottom types is determined by the quality of the transducer. CHIRP transducers have low Q ratings, which quenches the ringing between the transmit and receive pulse signals. These higher quality transducers won't show longer bottom "tails" over hard bottom the way that cheaper fixed frequency transducers often will. The tails are produced by the longer ring time when signals bounce off of the more reflective hard bottom.
Another feature that is mostly marketing is Down Vision. Why would anybody think that a grayscale image could contain more information than a multi-color 2D image? While it's cool when a wreck or downed tree looks more like the real thing with Down Vision, you get enough info to know what you are over from a color 2D image in almost all cases.
Maybe I'm an old fart (OK, I am an old fart), but I can't say that the fancy modern units provide much more info than the old black and white paper scratchers did over 40 years ago.
The best advice for anybody looking at new fishfinders is to figure out what you need to do. Then chose a unit that does just that and nothing more. You'll save a ton of money.