I think it's entirely dependent on what part of the country you're fishing in, and which lakes you're fishing in that part of the country.

I see you're from Illinois. Lakemaster has an IA/IL chip that I use when I fish tournaments in NW Iowa. I'm very happy with the amount of detail and accuracy, and I also appreciate the Humminbird-exclusive chart customization features that Lakemaster provides.

In places not covered by Lakemaster, I use Navionics chips....most recently when I spent a week on Table Rock fishing deep bass and crappies this summer.