It isn't clear what makes bundling a chat program into your SCM beneficial. The only benefit I can see is linking to other things in the SCM like wikis and issues, but since these are available on the web anyways you can just use regular URLs in any old chat app.
The other possible benefit would be keeping chat with you for local searching and keeping it with the history of the repo, however this is designed to be ephemeral so throwing that possible benefit away. (I guess you are supposed to use Forums for that https://www.fossil-scm.org/home/doc/trunk/www/forum.wiki)
I'm not a Fossil user, so maybe I just don't understand, but I see little to no value in this feature.