I think your decision needs to be based on the type of shooting that you anticipate...In normal hunting circumstances, it may not be worth the extra expense...
I've had a chrome one in my old DPMS for the last ten years, at least and it's shot a lot of high speed, high round count competitions... It's only just now starting to show a couple of minor wear spots on the leading edge of the bolt carrier..
All of the rest that I've owned have had the standard hardened steel carriers and they haven't had the degree of use that my chromed one has and I can see the same wear spots start showing up on them much sooner....
As far as lubrication, either takes about the same amount, but I don't usually run mine really wet, just thoroughly lubed...