Our road is chip-n-seal. Works great, but you have to have drainage.
If you are having wash out problems, it will undermine chip-n-seal or asphalt too. When we had our road done 15 years ago, all the contractors that I had look/bid on it, said the same thing. Drainage drainage drainage. Drainage drainage drainage. Over and over they said that.
And when they finished saying that, they said maintain the drainage.
We are ready for some repairs and another layer of chip seal. Lot of traffic, a couple being heavy trucks.
Guess where we need repairs...??? Where the drainage was not maintained by our loose unofficial neighborhood group(8 houses, all 5 or 10 acre lots).
Sounds like you need better ditches, culverts, and crowning as much as you need chip-n-seal or asphalt; have the contractor do that as part of the bid...