@julian Right... As my dear departed uncle used to say; "We? What's this we crap? You got a turn in your pocket?". 
Moving beyond the snarky...
A keen point of contention may well be whether chat functions even belongs in fora modern times. Once upon a time? For sure. Now we have multiple alternatives. And therein lies the rub. Who is going to maintain all this? Hence, cold facts are that the field of possibilities will be limited to orgs or diy devs itches.
Chief among the pros is to offload potential, and increasingly it seems too oft the case, chat management headaches to a SaaS offering tuned for dealing with such.
Cons include that history does repeat and these outfits make juicy targets for cyber mischief. Terms of Use also too often times change over time. So you may well be best served by in house SME's.
Lots, lots more can likely be collated from sysadmin/bofh stories of community operators at large. At the end of the day it goes back to challenging the premise whether chat should even continue to exist as a essential to fora platforms.
After some head scratchin' my druthers would be:
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I want chat functionality.
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I want chat to be managed under NodeBB/ACP.
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Choice is good. Ideal world would supplement/compliment the above with third party options.
My objective here is to perhaps stimulate a bit of free style discussion and brain storming from NodeBB's' greatest resource. Feel free to share your thoughts.
Que' Sera, Sera.
