Keep in mind that your first one isn't necessarily the one you're stuck with.

Remember how Satsuki handed out Ultima Uniforms based on achievement? It's kinda like that. As the RP begins to show its plot and we draw closer to the villain of it, we'll be given the chances to get higher-level Chips. But yeah, I'd ideally want only one or two people to have them at the very beginning, myself not among them.