so wout VI the odds of beating high PS phantom lists isnt good?
Han trumps all Phantoms builds other than Whisper with VI anyway. VI would only help Han if he was facing that one, very specific build.
Chewie benefits from VI if he's facing Echo, but VI won't help him against Echo with VI or any Whisper build.
If you know you'll be facing those specific ships, or if you're really, really, really scared of them, then take VI. If not, then you're much better off going for a damage modifying EPT.