Don’t mean to detract from your suggestion, but just a note: You can actually enable the chat with the TopBar disabled by modifying the “ChatSettings” module in Chat service: module.ChatOnWithTopBarOff = true.
The backpack still won’t work without the top bar, though.
ChatOnWithTopBarOff is glitchy: it doesn’t keep the button for pc, or buttons for mobile. Using thegamer101’s workaround to re-add the button is also glitchy and has unexpected behaviour with fading out the chat / keeping it active. Yet another Very Ugly Hack like the one in the original post. Still sticking to the original post’s suggestion ):