Simple request, really.
Can we add a detection for the
Please avoid extended discussions in comments. Would you like to automatically move this discussion to chat?
prompt, so that if one of the users in the "extended discussion" has under 20 rep it doesn't appear? I think a lot of the users this apply to will have low rep and it may take some back and forth to get good info out of them.
New suggestion: how about if a sufficiently high-rep user is clicking on the link, the low-rep user gets a field promotion sufficient to chat? Low-rep users are particularly prone to post questions to lead in this direction of needing to move to chat.