I don't believe an engraver would make new dies with these differences; thus my opinion is is normal die wear plus damage to the striking die and not a different chip variety.
However... coin colletors do often collect die varieties in older US coins that result from damage, repair, or re-engraving of the striking die. So a case could be made for these being die varieties. What would be required is examination of a large number of chip inlays to see if the design exhibits a gradual change or very distinct differences with no intermediate steps. Smooth inlays vs concentric circle inlays are another case of differences that are likely due to die-use wear or polishing wear, and many of us do collect these as varieties.
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