Yey! Go Fluffy!
Another common sense reply...
For those of you who say there NOT too many variables try this;
Put your bike in the lowest gear, crouch down next to it and turn the pedal by hand - see how much effort it takes? Now lift the rear wheel off the ground and try it again; Easier huh? NOW have someone sit on the bike while you try to turn it by hand... :?
Now tell me rider weight doesn't make a difference!
As 'Fluffy Chicken' was leading up to above before he lost the will to live, the reason the chain is under the most tension to begin with is you are trying to overcome the 'resistance' of the drivetrain and the wheels contact with the ground. All the granny ring is doing is making it easier for you, the rider to apply enough effort to reach the point where you overcome that resistance. That point is going to be the same whatever hear you are in and the amount of force on the chain is going to be the same.
However, a lighter rider will reach that point before a heavier rider because there will be LESS resistance to overcome due to the lighter weight bearing down on the wheel.
Bleating on about the tension in the chain being highest in the granny ring is ignoring your own point; the chain will have a certain 'bursting point' when it will fail/snap - that bursting point is constant, it won't change. How you get to that point does...
Pulling away in the granny ring 'BRIEFLY' applies the greatest tension to the chain, but once you overcome the resistance and the bike starts to move then that tension falls - unless you change gear the chains rotation will get quicker and quicker intol the rear wheel is trying to push the chain forwards! If you try to pull away on the middle ring though you have to put more effort into it (because your lever is shorter) for longer, thus putting the same tension on the chain for longer and increasing that chance of failure. If you then suddenly apply more pressure in your effort to over come the resistance you increase the tension on the chain, with the equal and opposite effect of increasing the chance of failure...