In general, it seems that there's a bunch of cases where one-solution-fits-all would leave at least some people disappointed with the default behaviour of IK and no option to change it outside of [redacted]. As such, it seems sensible to provide more in-depth IK options that would allow users to fine-tune it for their own preferences and avatars.
Naturally, it won't hurt to clearly mark these in-depth options as "advanced" and maybe collapsed by default so that average users won't be spooked by a huge array of variety - that and defaults that work well for most users will likely be sufficiently user-friendly.
One important aspect here is in-game availability. Given that these options concern IK, having to edit a config file (and maybe even restart the game) just to see their effect would be incredibly bad for usability.
On top of that, this same approach can be used during open beta to let users try out different approaches and solutions and gather feedback on what works and what doesn't. Options that produce split feedback would indicate that keeping it as an actual option for release might be beneficial, as people have different preferences on that specific thing.
Additional discussions and ideas on this topic can be found in comments here: https://feedback.vrchat.com/vrchat-ik-20/p/chest-trackers