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Not been on here for a while but wanted to give a brief update. I've been running the 20i with the TMC chip and have had zero problems. The odd times that I've taken it it does feel sluggish in stock mode (much lower bhp and torque). What you really notice is how much more power is actually delivered lower down between 2000 to 3500 rpm. For me, as long as your insurance doesn't charge you massively more it's no brainer. Also, I have no idea why the TMC chip seems cheaper than others yet performs so well. I guess other people are just over charging.......
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