So, our initial experience of books is as a reader, and as a reader we find chapters useful because they divide the text - which may well be over 100,000 words - into useful chunks. We need the text to be in useful chunks because it's rare one has the opportunity to read a book from cover to cover in one sitting. More usually we're reading until it's lights out time, or our bus stop approaches, or our name is called in the waiting room. Chunks make it easier to leave the text and start doing whatever it is we need to do next.
Chunks of text have other benefits for the reader. I heard on the radio recently a discussion about an author's books - I think it was Peter James, but I'm not sure - and one man was saying how much he enjoyed the books because the chapters were so short. It gave him a sense of achievement that he was reading so many chapters. The other man commented that when he knew the chapters were short he felt more like reading them, because he wouldn't get trapped. The first man agreed, but added that he often read more than he'd planned because of exactly that reason - because there was a let out clause, he would try the next chapter, get hooked, read on, try the next chapter, get hooked, read on etc.
Obviously to him, chapters were like Malteasers to me - only 16 calories each, so an allowable treat. Yeah, right - and whoever ate just ONE Malteaser? I can get through a whole packet in no time at all.
When we're writing we need to remember our experiences as readers. As writers we choose where to put our chapters with that in mind. One writer chooses lots of short chapters - they're probably only a scene long. My chapters are longer, perhaps containing several scenes, but I work hard at trying to create great chapter ends, ones that lure the reader into reading on.
I don't think it matters how you work your chapters. Just so long as you get the reader to eat the whole packet.