I was really on edge about getting my terriers chipped, but I got introduced to a proper country vet who appreciates a working terrier and their uses and I've got to admit it's one of the best things I've done. My dogs are all above board and if they ever go missing or (god forbid) get stolen there's always the chance I'll get them back via their chip.
Fatman I'm like you. I'd say about 5 people see my dogs on a regular basis and I don't attend shows very often so who would know if they were docked ,chipped etc etc. But a little piece of mind does help.