I have been pondering this some more.
A chop appreciates in value at the same speed as inflation as inflation and chop are based on the highest of science/culture.
So chopping now vs chopping then is no different in value ignoring what is produced and when.
The real values are the production loss, cost of a charge at the time and what you are chopping when.
If you are working a 2/2 tile and have to still work it after a chop there is a disadvantage it chopping now rather than later (without considering anything else)
Considering that the inflation of gold/faith is higher then a builder charge cost is likely less but certainly less at around Liang/Pyramids/Feudalism (any or all)
So apart from what you are chopping there is a fine point around feudalism in particular but certainly now now if now is before these times and certainly not before Magnus.
So as lily hinted, chopping to defend yourself is all important and will always be a chop now unless it was not necessary/very useful.
If we take the example of a library
Chopping a library may be a disadvantage now is science starts outrunning cheap district placement before you can get settlers out (if not working on district discounts)
Chopping a library now gives +2 science but will unlikely finish the library with one chop while chopping then will and possibly also donate to your university but more importantly if you have 1-2 CS up by then your library will be worth +4 +6 or even +7 with Hypatia. So the small loss of +2 per turn if not needed for Dom at the time may appreciate more than inflation considering the builder charge and the loss of worked tile production.
What about Settlers? Fantastic value if you have a place to settle them, the earlier the better but they inflate in price at an alarming rate meaning too many too fast (before early empire and then before Ancestral hall) they just do not become worthy of a chop or do they? This is much harder but chopping in some is worth it but how much wood do you have?, how many builders? and more importantly it is not worth it to chop in builders early. So chopping in settlers is limited by how many, builder availability and chop resource availability. Would you use every last chop in a city for a settler? Why not?
If we also consider that inflation is not flat at all. It is a curve starting slowly where too much science culture is limited and large amounts are hard to get and increases rapidly as we get to the end of the game. Also we tend to not finish techs/civics as already mentioned to keep inflation down for district placement. We get back to the choppity chop thread
@Sostratus provided which pinpoints the mid game as the place to chop. Ideally falsely inflating by finishing small techs or civics to provide and inflation boost to chops.
Chop n improve is another feature. If you are not going to have a very large empire (your choice) is chopping and improving better than just chopping? Changing that 2/2 forested hill into a 3/2 or a 4/1? How much does that 1 production appreciate over the game? It seems like it appreciates by thousands. Worth a charge if you can afford one?
So... you shall chop now is not so simple to me but perhaps I am just confused. It seems this thread discards chop appreciation and I certainly appreciate chops.