Speaking as a relative beginner (been teaching myself guitar for a year), I've just begun to be able to 'hear' a few chords from listening to a CD of the tune. But much of the time I'm trying to learn songs which I can sing, because I've known the melody for years, but I have no recording of the song. Or I've heard the song often enough that with the chords, I'll be able to sing it. For me, it is ear training, I think, and I expect to get better at it, but in the meantime, I usually have to ask for help with the chords.

Often I find the recorded tune has ornamentation, other instruments, etc., which make it harder for me to identify what exactly is going on in the tune behind the singer's voice. Or the tune has been altered by the performer as suited them, but conflicts with how I may have learned the tune (singing) from another performer

Beginners also usually don't know that many chords, so an Am7 or D9 or the like is a complete mystery.

Without chord help from Mudcatters, I'd be playing far fewer tunes than I am, and as an older learner, learning more tunes is my main goal. The more skills I learn as I go along, the happier I'll be, but in the meantime, I want to work with what I have.