@lou_dias: No, you completely missed the point of my argument. It was about the most efficient way of addressing single pixels in a framebuffer. If that's HAM, a truecolor mode, or a CLUT-based mode is of no importance.
Changing a single pixel in a planar mode requires a shitload of instructions, whereas changing a chunky pixel requires 1 instruction. The required bandwidth to do so is a different discussion, but if we do take it into the equation, planar format makes the bandwidth issue even worse when addressing single pixels, since changing a single pixel means both reading and writing data to screen memory and requires several accesses to finish.
The workaround for this is to use an accelerated machine, and have a chunky buffer in fastmem. All accesses are performed against the chunky buffer, which then has to be converted and copied to chipmen. This method can't be used efficiently on a stock machine, but a stock machine would instead benefit a lot from having chunky pixel format instead of planar.