My personal view is that HTML TOC is very useful in Non-Fiction ebooks. In Fiction think their use isn't that critical, like Jellby said in compilations it's useful, but in a book like Harry Potter and ... (or any Single Story book) it isn't in my view. Personally when I create an ebook for myself or a friend, I only use HTML TOC only for non-fiction, Stories I only use NCX TOC.
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