That looks a lot like how I format my books. Except I use <div> instead of <chapter> and I use <p> instead of linebreaks for my paragraphs. <book> is <html> and <toc> is <p><a>.
You can make your HTML as simple as you want. I only use stylesheets to add some extras, like large first letters of a chapter, or no indents for certain paragraphs.
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