Many RAG systems start with fixed-length chunking: 500 tokens per segment with 50 tokens of overlap.
That looks simple, but it breaks quickly when documents contain tables, code blocks, image captions, and hierarchical headings.
A More Reliable Direction
I prefer structure recognition before semantic splitting.
A chunker should know which blocks cannot be split casually, which blocks can be merged, and which blocks need surrounding context.
Evaluation Matters More Than Parameters
There is no universally optimal chunking strategy.
The useful work is building evaluation sets for the target scenario and checking whether recall, citation quality, answer quality, and human readability improve together.