Whats more important, chip accumulation or survival?

[bigchips HI]

obv this is going to be situational on different stages of mtt's, what I want to know is when is either the correct strategy to use during an mtt and why?

I have this leak in my game where my mind gets so set on trying to build a stack during or close to the bubble that I take very ill advised gambles in hopes of building a stack to make a run for it. Ever since ive started learning and trying out resteals, my game has taken a turn for the worse. Idk, maybe this is just the learning proccess I have to go through to get better at them...