I have been trying to determine when is is appropriate to use cho or totemo. For example when I am saying something is "very hot" do I say cho-atsui or totemo atsui?
Basically, just think of cho as being best used with your friends. Meccha is another one like that.
Totemo is more standard Japanese and is good to use when you don't know someone so well, or if it's a situation that feels like you should be more formal.