The decision to file a Chapter 13 case may be an easier one if you know that you can always change it into a Chapter 7 one if needed.
The ability to convert to a Chapter 13 case can be extremely important if something unexpected happens soon after filing a Chapter 7 case.
Before getting into something, you should know how to get out. Like what it takes to successfully finish a Chapter 7 bankruptcy case.
You have some wiggle room if you either want to get out of your bankruptcy case or change to the other Chapter.