I'm really loving the revamped chance cards in TS4. They're not 90% life-and-death, promotion-or-demotion sorts of things like TS2, and the writing is witty and clever (at least in my opinion). Whenev...
I always enjoy the chance cards. Adds a little bit of excitement. I usually go for the choice I would personally do. If I ever play an insane or evil Sim though, I may take that into consideration.