I think its mainly down the the colour options. When useing oils for weathering they do not need to be colour specific. But the chips require a certain colour to show through, such as the bare metal or a previous colour or primer underneath. I don't add chips often but when i do i use acrylics or enamels depending on what colour i need.
Depending on your subject, i would not worry to much about chipping as IMHO its largely over done and more of an artistic effect, unless of course an artistic finish is what you are after.
I am a Norfolk man and i glory in being so
On the bench: Airfix 1/72nd Harrier GR.3/Fujimi 1/72nd Ju 87D-3