Can you say "outlay?" Does your brain automatically change it to "oultay?" No, no it doesn't.
The sound isn't hard to make. At all. So the barrier we have here has got to be that you can't read. And if you straight up can't, that's a shame, and you can mispronounce "chipotle" because, quite frankly, you have bigger problems.
But if you can, there's no excuse. Say "chipottle." That's fine. A scrupulous disregard for all foreign languages, is, on balance, to be admired. But you must be wrong deliberately, or it doesn't count.