I fly a cutter sometimes. Depends on the goals I have for the session and who the potential enemies may be. I found chaff to be a waste of a utility slot on a big ship and here's why:
A. Ship is so big and not agile vs. medium ships that the enemy can maintain any distance they want including getting close in to fire at will so their gimballs will hit my big hull anyway.
B. If the pilot in A above is not good enough to manage the fighting distance he/she usually sucks so bad I don't need chaff to gain another advantage anyway. So he hits me a few times? I have 7000+ MJ of shields, I'll be ok.

C. Adding a second set of heatsinks instead of chaff lets me fire doublebank SCBs and still cool down to fire back with no hotbanking near the end of a fight due to running out of heatsinks to fire. In a fight against you whiteknights I am usually facing fixed weps anyway so why bother chaffing.
I run chaff on my FDLs and other medium ships though as they do have some level of protection and don't need double heatsinks really. Those 8A, 7A and 6A SCBs are super hot when you double bank! 4A's in an FDL not so much.