I too subscribe to the 'one boat length of chain' advice; but we head a Pearson 35 with a Danforth and 6' of chain without much problem.
The amount of chain is partially dependent on what your bottom is. OP is on NJ coast, which is usually mud and sand, and not a lot of rocks/oysters, etc. Unless Raritan Bay is different than down S. Jersey. If I were anchoring in rocky/choppy/oystery conditions, I'd want more chain to take the abuse.
The amount of chain is also partially dependent on how much scope you can let out. More chain is heavier, and will hold the anchor down, so you could use shorter scope and still get catenary.
And finally, chain can also be a function of ground tackle purpose. For a lunch hook, I'd do like SG and use a pretty short length of chain like he did with his Danforth. It would take some abuse, and be lighter and easier to haul in. Plus, when you're on a lunch hook for a shorter period of time that doesn't involve sleeping over night (napping doesn't count!

) you're so much more likely to notice a problem. Overnight or stormy weather? Big hooks, long chains.
Oh, and vinyl dipped chain has no purpose on a boat. It's just an excuse to rust out the chain under the vinyl, without you being able to see the degradation in the chain.