I want chat, at 63 votes chat is by far the top voted anything on meta. The good news is that a large amount of the internals needed for chat are already built into Discourse.
We have the message bus that can keep message up to date, we have topics and posts that can be “subverted” to operate in a chat mode. A lot is built.
However, there is a non-trivial amount of work in getting to a polished chat plugin. At Stack Exchange it took 2 developers almost 6 months to build the chat product. Clearly we would not be looking at this scale of work, but probably a month or so to get something polished and integrated.
Trouble is, the time we would need to invest here means that something has to give, and at the moment not a lot can give. If this was somehow sponsored it would be a much easier decision to make, but giving up “performance”, “general extensibility” etc is a hard sell here.