The only circumstances that I'd say chrome lining is "essential" is if you're going to pack the rifle in grease and bury it in the hills for SHTF or if you're going to do a lot of full auto shooting.
Otherwise, yes its beneficial to "Increased reliability, longevity, corrosion resistance, ease in cleaning and maintenance, etc..." but not essential.
If the choice is between getting a rifle without chrome lining and not getting one at all (because the chrome pushes the rifle out of your budget range), get the rifle with chrome lining and don't worry.
Reality is an el cheapo Oly Plinker is sufficient for home defense as long as its kept clean and lightly lubed and not shot a lot.
The more you shoot it, the more benefit from chrome lining, but I still don't think its "essential" nor worth a lot of extra $$.