Memory Chips in Sword Art Online Fatal Bullet does affect huge in terms of your performance in PvE, Co-op, PvP, etc.
If you are looking for the best Sword Art Online Fatal Bullet Memory Chips, please refer to our meta builds section.
The game hasn't updated since we have created such fantastic builds, so it should work as of writing this in November 2021.

Certain rolls in Hero have secret chips on. However it is not shown.

Tanks: Avoid Insta-Death when HP is 50% (above yellow HP | Won't work against Ults) or higher.

This will at least allow you to take 1 headshot from a sniper, or a vorpril strike

Characters with this role:

Bazalt Joe
Kureha
Klein
Eiji (DLC Character) Still has it even in FFA!
Dyne (DLC Character)

[i]I tested Silica with fredonm on FFA and she doesn't seem to have it regardless of getting the Tank role i