As for your first statement, we must agree to disagree.
You don't agree that risk factors matter in decision making???? Wow! Remind me never to get in a car with you behind the wheel.
As for the rest, sorry, but you are using what ifs, and rare exceptions to set a rule - you cannot do that.
There's are good reasons motherboard designers moved to programmable modules decades ago - and why your chip is surface mounted, and not in a socket. And a major reason is simply so "normal users" can safely, and reliably, and inexpensively update their BIOS themselves.
but if it were one that could just be plugged in as I was speaking of, then I see no real risk to consider
That's because you have blinders on, refuse to take them off, thus are ignoring them. ESD damage to the chip itself, as well as other ESD sensitive devices is a huge potential risk. And simply unplugging the system and taking precautions does not totally eliminate those risks. And while you may understand the risk factors involved with ESD, and how to mitigate them, most users don't.
the chips were ordered according to the BIOS number, and thusly were never out of date.
Again, you have blinders on and refuse to look at reality. It takes time, once the code is created, tested, then released to the chip maker for the chip maker to then, program and set up his burners to burn the chips, time to actually burn the chips, label and package the chips, store until shipped, then travel time while shipping the chips - certainly days, if not several weeks. Plenty of time for yet another, if not several, updates to come out. But with a software update, a user can update his or her BIOS the same day the BIOS maker releases it.
You are certainly entitled to your opinion and I did not spend 24+ years in the military defending your Rights only to trample on them. But opinions, especially over "established" technical issues, should be based on fact. And while true, much depends on the skillset and experience of the user, the fact of the matter is, the vast majority of users don't have either the skillset or experience (or desire!) to swap out motherboard components - many struggle (or are intimidated) with RAM, or simply opening the case for inspection or cleaning.
Again, 20 years ago, I might agree with you. But today, your idea is outdated, obsolete, archaic - not to mention, expensive, time consuming and has much greater risk factors.