This may be true in some situations, but I've often times seen chapters who have "big chapter" mentality. They think because they are so large, that not hitting quota one semester is ok. And then the next semester they miss by 3, and then 5, and before you know it, they're down by 20, and it's ugly. Just remember, to those with big chapter mentality, the day may and probably will come when you struggle with quota, so don't think it can't happen to you!
Just .02 from the peanut gallery