Unless you have an offer specifically stating that the annual fee will be waived, there is no chance that your first year will be waived.
I got mine back when it was no AF the first year. I asked for a retention offer last year after the 1st AF hit and I was denied.
@Anonymous wrote:what has been your success rate in asking Chase to waive the annual fee?
lol ...asks for af waiver, thirty days later gets "Card closed due to low use" letter. Sorry op it's weird times and I had to 😂
I've never asked for a waived AF because I don't think $95 is all that hefty in the grand scheme of AF's. Especially on the CSP where' you're getting 60K UR's that pretty covers it. That and it's Chase, who sees this a sign of weeknesss. 
That aside if you are unsure that this product will net any gainful returns to offset the AF then it likely isn't for you. After all it's only a 2% card on Travel and Dining, so certainly other cards with better return. Although if you use Lyft, you can earn 5X points until 3/22.
The coverage benefits are nice but only useful when actually used.
If you're wanting it for the SUB that's fine, but if you intend to keep it you'll need to make it your exclusive dining card for an annual spend of at least $5K to cover the AF. Of course that's assuming 2% CB, so i don't know how they treat points when you use them as a statement credit. I don't spend even close to $400 a month on dining so I had to PC it for the time being.