When I was a kid at home, my mom prepared "chili, rice, and beans", in the cooler times of the year, and always on Saturday. Each dish was prepared seperately. She made a basic pot of red chili, a pot of pinto beans with a ham bone, and "Mexican rice" in a cast iron fry pan. The flavors were not cooked together. We spooned up all three on our plate and stirred them together before we ate it. No finer plate of food that I know of.
So, yes, this Texan wants beans WITH his chili, but not IN his chili until he is ready. One thing I really don't understand is the red kidney bean thing in chili. Pintos are so much better IMHO.
To each his own, it's all good.
Nice looking bowl of red blues!