I have no problem with
@EzekielRaiden example either. Such examples could be great play or not based on other aspects, but in general I agree it's FF and would probably be fine in general in a Narrativist context.
I'm not sure what your objections to SCs amount to. There's nothing 'bare bones' about them. I'd say they're nearly as elaborate as most combat systems. I can think of no reason why a check within an SC would be seen as less detailed than any other. Certainly 4e applies the same process and rules to every check. All that seems to be true is that some of the consequences or results may be deferred to ultimate SC resolution vs needing to be completely resolved instantly.
Like in the chase example, maybe some success gets you a better situation, but doesn't immediately capture the bad guy. Or likewise a failure just worsens your situation a bit, but doesn't let them get away. Chances are a less structured approach will be similar, except the GM is left winging it, or else home brewing basically an SC. Note that 4e does not preclude the latter either!