I think it's all to do with personal preference really. When I wrote my book, I had chapter titles right from the get-go. If I had completed the book without the chapter titles, I honestly don't think I would add it. I tend to read many young adult and children books, many of which use chapter headings, and I quite like them. I find coming up with chapter titles an enjoyable experience. It's also an effective exercise in learning how to summarise information.
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