Usually, I am able to land on, and form a strong, singular speculation on a case. Not so with Chance. Logically, it would seem as if a fellow who had been drinking got riled up and walked off to seek a ride back home and met with misadventure. However, his BF M says it couldn't have happened; Chance was an experienced outdoorsman; the storm wouldn't have been enough to cause him injury or death. Of course, there was always the possibility he was upset enough to take his own life. I don't rank that high on the probability list either; he was determined to get home and had made calls asking for assistance.
But why then, was the wife so convinced C was dead to the point of even trying to file an insurance claim?
I have an alternative theory that is illogical, and improbable. That said, it has remained persistent in my speculations. In my amateur opinion and speculation only, the wife might have dropped a bomb, something material, that changed the course of the marriage. In this speculation, C storms off angry, trys to get a ride, fails and becomes despondent. *OR*, after shocking news and failed attempts for support from friends to pick him up, C just quietly decides to disappear in to the sunset and go start a new life without the people who have let him down. Probable? No. Possible? Yes.
Amateur opinion and speculation