I'm not planning on using all of helm either, and specifically, the whole chart repo feature is something that I don't see myself using at the moment.
The workflow I'm envisioning is one where I have a Project-A. Inside Project-A, there is a chart directory containing the project chart, so each project contains their own chart instead of having the charts in a centralised repo. The chart will be used for deployment, but something like versioning will not be bumped manually but instead be bumped by the CI after (if) tests succeeds, at which point a new docker image is built, tagged with a version-bump (or build number) and pushed, and then the chart is updated to use the new docker image and getting it's version bumped (or build number) and then at last deployed to staging environment. There should also be a next step for taking a chart deployed to staging and deploy it to production, but I'm not sure how that should be done yet.
I'm also not sure how or what the correct solution is in the case of actually updating the chart in the repo in the CI, or just supplying runtime variables (or what it's called) to helm as you deploy the chart that then overwrites the values hardcoded in the chart, but in any case, I'm envisioning a workflow where you for each PR and version-tag you make to a repo, a new docker image is produced and pushed, and a new chart is produced and deployed, so that you have a complete history of images and chart for each pr and version.