Everything in Scrivener has a title...but they're really shitpost-y and only for my benefit (shitty spy mission, hey birb whats up, time for angry nap). I don't put chapter titles in the "end product" because I, too, really suck at titles, so coming up with a ton of titles would be torture.
I DO have a project where every scene AND chapter have a title...but it's an interactive novel and the reader needs to know exactly where they are and that the scene has changed. For my own organization, they're numbered, and things that are at the "same time" have similar numbers and titles.
So Ch 1 ==> scene 1.1 ==> 1.2 which can then go
- 1.2.10 The Permanece of Things ==> 1.3 The Truth of the Matter ==> end
- 1.2.11 The Malleability of Things ==> 1.3.1 The Matter of the Truth ==> 1.4 ==> 1.5 ==> Ch 2
- 1.2.12 The Incorrigibility of Things ==> end
Path 1 is you don't change anything so you don't go on your adventure. Path 2 is you change a thing and the story keeps going. Path 3 is you screwed up a thing and die. If I just used the numbers, it would be difficult for the reader to know where they are or what's going on, so the titles are for ease of navigation. I spend a lot of time thinking about them, as they need to both reflect the scene and the path that the reader is on.
I think of it as a UI/exdiegetic storytelling element, but that's how I think about "metadata" for a narrative in general. How much weight that does have (or SHOULD have) on the story is very hard to quantify. Like do we all read the back of the book before we start reading it? Do we recognize the publisher and assume it will use specific tropes? Did we all play the Fortnite event to know that Emperor Palpatine was going to be in Episode IX? If a reader sees it, they can't un-see it, but you also can't rely on them seeing it before they consume your story. So "The dead speak! Emperor Palpatine is back!" is really effin' confusing for people who didn't see the trailer or play the Fortnite event or any of the other marketing material in regards to that movie. Which is going to be more and more people as time goes on. So things like titles should be a nice bonus or extra info, but shouldn't be required to understand the story.