I absolutely outline my novels, but I never really break thing down on a chapter by chapter basis. Personally, I find it too constricting to force myself to fill an arbitrary number of chapters.
Rather, I break things down by events and arcs. When I write, I work towards these developments in plot and character.
I think the most valuable piece of advice you’ve offered here is knowing how your novel ends. You need to have something to work toward. Many people give up on their manuscripts because they write themselves into a corner and don’t know what they’re working towards, so they peter out.