Chapter splits should be meaningful. There should be a chapter heading too. I also like "generally speaking" a little pithy statement, prose or verse, or quote with it.
More than 10 in my opinion is generally too many, but yes there should be a TOC.
That is not to say that you can't split the chapters in meaningful ways, on the inside pages, and have little headings there also, but if you clutter the TOC, you end up looking like you are making notes for a book report.
There is also the mechanism of dividing the chapters up into books for the really long efforts especially across multiple volumes. There you have a lot of opportunity for interesting presentation.
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