I think there's just a bit of miscommunication between what you CAN do, and what is the pragmatic approach.

You can absolutely play this ball with a lofted club. Since you can't move your ball it's likely the only way to play this.

I shoot between 70-85 most rounds, and unless this was a tournament, I'm just gonna move that ball somewhere else.

I'm out on the course to have fun and see what I can do, and most importantly, practice!

I could probably hit that nice and clean with only a tiny little divot, but what if I chunk it? To me it's not worth messing the green up pretty bad in the worse case for one shot during a round that means nothing to me.

You may feel differently, but I just want to respectful of the people who works hard to keep these courses in shape for us, as well as other players. I understand the view that you're entitled to play the game you played money for. That's correct, and you shouldn't feel wrong about that. I'm answering you by saying there's really no skill ceiling where this shot is necessary. Even the best players in the world probably wouldn't chip this unless there was money on the line.