On OS X, go to the Chrome menu, select "Warn Before Quitting". This makes it so you have to hold Cmd-Q to exit. No more accidental closing.
I am surprised Apple hasn't encouraged users to do that, come to think of it.
At home, where I do a wider variety of things (coding, photography, video stuff) I do quit apps, but there's still a baseline of ~2–3 apps (Chrome + Music + one more) that are always running, which I would guess is pretty typical for most users.
Nowadays, you can generally trust your OS to page an app in and out and devote no resources to it if the resources aren't needed. Quitting an app is for misbehaving apps, which isn't assumed to be the common case.