Along with the strict format that they adhere to religiously, chains make you sign a contract and they are not cheap (or even reasonable). Some (not all) create this cult-like atmosphere and people are afraid to go anywhere else. In my city, the chains are aggressive. They tell students they are "not allowed" to go anywhere else to dance not even socially. When a friend of mine was reprimanded by her instructor for going to a dance on a weekend without clearing it with him first, she walked out and never went back. Others I know, love the "family" atmosphere and are willing to pay the big bucks to get it. Instruction varies as it does with independent studios. Be aware that although you might be paying $120.00 for 45 minutes, your poor instructor is getting $15.00 - $20.00 of that only. They might have just learned the steps minutes before you walked in via video. We often have instructors from the chains look for work at our studio because they are uncomfortable with the sales aspect.
Independent studios can be good or bad. Some instructors are employees and at my studio have to be fully qualified and continue to upgrade their skills. Other instructors pay floor fees and the studio has no control over their qualifications. I would ask an instructor if they take regular coaching sessions. If they say "no, I know everything about dancing", be wary.
It is hard for a new dancer to know what is best, but do not succumb to the hard-sell tactics of the chains until you have explored a few other options.