I can only remember one sticking chuck, and that was from switching the lathe on before taking the chuck up the he mating faces. I always just take it up to the mating faces and just so they touch, you will feel that.
I never leave the chuck, face plate on the lathe when not in use, some people suggest that it is rust creeping in which makes it stick, but I wonder if it is really fine dust absorbing moisture.
I have never usesd a washer and my main lathe was bought new over twenty years ago.
Do not forget that both the spindle threads, the internal thread on you chuck and the MT on your lathe need cleaning now and again, I use a wire brush, bought from the plumbing section of a DIY Shed and is used by plumbers to clean and deburr 15mm copper pipe.
If you do need to uses force to move it, do not use the indexer to lock the shaft, most use recesses in the pulley wheel which is made from aluminum and is too fragile.
Ron