There seems to be an inherent pull between large chunks (great for visualising large extents and larger queries) vs smaller chunks for point-based or timeseries queries. It's possible but not very cost-effective to maintain separately-chunked versions of these large geospatial datasets. I have heard of "kerchunk" being used to try and get the best of both, but then I _think_ you lose out on the option of compressing the data and it introduces quite a lot of complexity.
What are your thoughts on how to strike that balance between use cases?