I spent many weeks looking around for the simplest video chat for use with technophobes and computer noobs.
http://www.koowy.com/ was the easiest by far. Flash (so pretty much multi platform), one on one is high quality, if they can click a link - they can chat! (click link, click Yes to camera access, you're chatting), no software setup. Private rooms, no BS like most chat sites, group chat also is just as easy but not as good quality (but still fair).
I don't expect the site to stay normal forever, but it is pretty old.
I also don't know if they record everything, I'd assume that one on one is P2P but I have no idea.