If we were talking RoS redraft rankings then sure, but with dynasty we're looking at talent and I'll take Chubb's vision, size, and breakaway speed over known pass catching all day. Maybe Chubb is a 30 rec guy while Kerryon is a 50 rec guy, but I'm guessing Chubb's TDs and yards easily close that gap. FWIW, I like both. I just like Chubb a lot more. I think Chubb has Gurley upside, including from the receiving standpoint. While I like Kerryon, I just don' see that kind of upside with him.
As for microfracture surgery, it just depends on when you start worrying about longevity. I always think about it, even with rookies (for instance, Kerryon is over 2 years younger than Michel, last year it was notable to me that Godwin was over 2 years younger than Golladay). It's part of the reason I'm not high on Gordon. Every player I ever acquire I need to be ready to keep to the end because the trade market is not always as fluid as people make it out to be and you could just get stuck with a guy. So for me, I'd rather have Ertz than Kelce.