Hierarchical chunking still fails the mid-idea split when parent selection is by score rather than ancestry. A leaf that scores on the number can attach a parent from the next section that holds the explanation, so the two never share a unit. Fixed-size with overlap still splits mid-idea while doubling the embedding cost. Overlap pads the cut without fixing boundary meaning, so a sentence straddles two chunks and neither is complete. Evaluate retrieval alone before generation, and match the strategy to the document type.