We are mostly on the same page. Most wines clear with time, although the heavier the wine (higher FG), the longer it takes. And some do not clear without help. We differ in that I currently prefer a wait-n-see approach to clearing.
Two years ago I started a K&C test -- I bottled most of two different batches without fining agents, and treated a 19 liter carboy of each with K&C, and bottled a few weeks later. My test results are documented on my web site and we have a discussion thread on WMT:
https://wine.bkfazekas.com/kieselsol-and-chitosan-test-results/
https://www.winemakingtalk.com/threads/kieselsol-and-chitosan-test-results.77805/
I conducted several trials, both locally and with folks from the NVA area. The results are that K&C introduced a slight bitterness and reduced the aroma.
My son actually liked the fined wine better, as did others, so there is no clear cut answer.
In the discussion thread, it was noted that the amount of K&C included in kits is more than vendor recommendation. It's very likely that using less K&C than is included in kits will eliminate or reduce the bitterness/aroma problem my test identified. If you want to try an experiment, divide a batch in half and use full strength K&C in one and half strength in the other, then compare results. [You'd have to divide the K&C in 4 parts, adding 2 to one batch and 1 to the other.]
My takeaway is that I use fining agents only when I consider it necessary. For whites and mead, I will use a lower dose of bentonite, which also clears protein haze (something other fining agents don't). I haven't fined any reds since completing the test. If I find the need, I may use a reduced dose K&C, or something else, e.g., I'd read the descriptions and consider the wine I'm fining to make the decision.