Sorry, that's a football IQ thing. I remember (several years ago) when Peyton Manning had a chance to run in a TD but went down at the 1 to win the game. That's guaranteeing your team a win and knowing what you need.
Incidentally, I remember that play because it was the difference between one team winning the league and another...in a total points league. 1st place won the season-long contest by five points. 2nd place had Manning. He runs it in, he wins the league by a single point.
Back in the real world, Chubb should know better. If he doesn't, blame the coaches.
In 2020 against the Houston Texans, Chubb forfeited a score and intentionally went out at the 1 yd line after a 50 some yard run with a minute left. He has been in this situation before and everyone praised him for his "football IQ' then. Cleveland won that game 10-7. So, it would seem that Chubb does know...or at least did. These decisions are easy from the comfort of our couch and even more easy with 20/20 hindsight. I don't blame this loss on Chubb. There's a lot of finger pointing that can be done.
ETA...I typed my response while on the last page and see that Rockaction already posted the reference earlier today...