This has been beaten to death around here for sure but you've got it right. With the plate, you have to be careful not to clog it with hop gunk. It's bad enough that cold break is formed during the chill. Plate chillers and tube in tube CFC's can both get the wort down to very close to the coolant temp depending on the flow rate. At 62F coolant, you could get the wort to 70F in one pass with both running at full speed (wort via pump). If you slow the wort a bit, it will get closer to like 65F.
You will absolutely get cold break in the fermenter but I don't think it's a big deal if you only reuse yeast once or twice.
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