Do not get a chip, they're practically useless. The NME I don't think you can even update and the Globe 360 chip (as stated above) sux for support, but I think the chip is socketed so you could take it out if needed, and you can just swap between the 2 FW's and be able to flash the socketed chip and still have your original chip intact. If you do get a chip I'd get the globe I guess though.
Honestly though flashing the FW is fairly easy, and once you have the right hardware setup you can easily update the FW. The chip on the other hand requires some decent soldering, if you've never held a soldering iron I would not even think about it.