The chips have become such an important part of animated canon. We have the arc in Clone Wars season 6 and it continues into Bad Batch.
I definitely see your point, but I do agree with the other user. I think the chip was inserted because Filoni was creating all of these sympathetic clone characters, and to him it didn’t make sense for them to know about Order 66 but still be sympathetic. But to me, it was kind of a cop out, and made O66 less powerful.
I think a better option would be that it was only known to the very top brass of clones, and even then it wasn’t considered something that was /going/ to happen, but rather a contingency plan, “just in case” kind of thing is how they would justify it to themselves. And you could say that there were other orders for similar contingencies against the Senate. And you could still have the plot of Fives discovering it and questioning everything, and being killed for it.
But thats just my fan fiction I wish had happened. I think the chip removes character agency so no I don’t like it at all.