Good discussion.
I write in scenes, and when I plan I plan in scenes.
I write scene after scene. When I see that I wrote about 10 pages, I put a chapter break between scenes. I try to pick a strong moment, but the end of scenes usually work. Bt it's not that I'm organizing my ms in chapters, rather that I'm putting them like one puts commercial breaks.
I give a temporary title to the chapter that relates to what happens. I do this because I write on Google Docs using the outline function, and that way it's easier for me to navigate to different parts of the MS. At the end I choose better titles for the chapters.
So in a way I think I do the same, write, write, write without considering chapters with the difference that I insert breaks. I know some people choose one pov per chapter, and I wouldn't be able to do that, especially because my scenes are usually too short for a chapter.
Nah, you're not alone. I used to write like that. Then one day I decided to just start putting in chapter breaks as I went at about 2000 words, so now I just write until I feel like I'm probably around that point, double check, then add a cliffhanger, and start a new chapter. :-) I don't even worry about if it's in the middle of a scene as long as I can come up with a decent cliffhangerish chapter ending.
Yeah, that's pretty much my method. I usually do it between scenes, but I can chop a scene if it's long or if it can end the chapter with a bang. I also used to write without breaks until once I went nuts revising a MS and decided to add chapters for ease of navigation.