I think I think like sophocleese. I'm looking for a note, and the chord I play is a place where that note tends to live. I might play a different chord for the same note another time when I'm playing it, or when it comes up in a different place in the song. But it's the note I'm after.
And in singing I think in terms of moving alongside each other, with the singers sometimes coming together, and sometimes singing different notrs thta sound good together. Never consciously aiming for chords.
Actually increasingly I tend to prefer the sound of diads, with just 1st and the 5th, (A + E, D + A, G + D, that sort of thing) rather than full chords. Not pinned down into major or minor and so forth.