The difference between one-time pad and stream cipher is provable, absolute secrecy, and really good secrecy. If don't care about that, there is zero point to one-time pad.

Also, it isn't just a "chunk", for one-time pad it has to be the same length as the messages. Which is fine if just short messages but a lot harder if lots of data.

If can exchange lots of data, better off using them as keys for stream cipher.