[spmurrayzzz]

Yes that is correct, but my position (which perhaps has been poorly-articulated) is that in the non-trivial instances, it is a distinction without difference in the greater context of the RAG stack and related pipelines.

Just allowing for a chunking function to be defined which is called at insertion time doesn't really alleviate the major pain points inherent to the process. Its a minor convenience, but in fact, as pointed out elsewhere in this thread by others, its a convenience you can afford to yourself in a handful of lines of code that you only ever have to write once.