I've been wondering about this. We just got back from a nine-week camping road trip in which we visited fourteen states, and so far my record has been 100%: I NEVER was able to use my chipped card in a chip reader. Not once.
Let me be punctilious: at hotels and restaurants I couldn't always see what they did with the card, so I don't know for sure THEY weren't using a chip reader.
A very conspicuous absence was pay-at-the-pump gas stations, and that's a pity because that's said to be a common place to find skimmers. I did run into a pump--major brand at a service plaza on an Interstate--that declined my card when I swiped it. I went into the office, they had a chip reader on the POS terminal but they told me it wasn't working, and swiping didn't work their, either. I called the credit card company, who said there was no problem with my card... they had no record of the purchase and decline... and when I asked about security they said "Oh, you don't have to worry about that because your card has a chip in it."
Given that there was supposed to be a hard deadline of October 2015, yes, "disaster" sounds accurate.
The only sense I can make of it is that the banks don't actually care at all whether the system is implemented, they just want to cost-shift the costs of fraud to the merchants.