There's an interesting set of incentives at play. The October deadline was actually a shift in liability - now businesses still using swipe transactions will become liable for any losses due to fraudulent transactions, while the card companies will continue to be liable for chipped ones.
Beyond that I don't know too much - maybe the price of the hardware is such that it makes sense to risk it for a little while before buying a chip-capable machine (do people lease them?). The part I really don't understand is that there are businesses with chipped terminals that still insist on you swiping, I can't work out why they'd want that at all.
C&P seems noticeably slower than magnetic stripe at the moment. Possibly due to stores still running their POS on PSTN connections. I wouldn't be surprised if some places were still using stripes to avoid slowdowns at checkout.
Beyond that I don't know too much - maybe the price of the hardware is such that it makes sense to risk it for a little while before buying a chip-capable machine (do people lease them?). The part I really don't understand is that there are businesses with chipped terminals that still insist on you swiping, I can't work out why they'd want that at all.