In some ways both have an air of "the forbidden" about them, insomuch as we shouldn't overindulge in either. How I love them depends on the mood. Chocolate is a rarer treat than cheese, which makes it even more desirable. I consumed a "Sparks" tiny chocolate bar with relish the other day courtesy of M&S who gifted to me as a "Sparks" offer, how could I refuse! and it did release a brief euphoria. Then again there are so many delicious cheeses, so it depends on the cheese. It's hard one! no pun intended.
Maybe I'd go for cheese, because it's more versatile and chocolate, well it's not really good for us, unless it's a dark 70% cocoa solids plus and I don't really like the dark bitter types.
Bit of a long winded answer, but tough questions need some in depth analysis
Wow! your tart looks good MawsRosie, I bet it'll be delicious.