When building a community, the structure should lag the need.
Too little structure is preferable to too much structure.
Create a new chat channel once you have to have one, not once you can see the future need for one.
If you have too much structure, it will suffocate the energy.
But it will also feel lonely.
Think of a chat room like a room in a house.
If you have too much space for your current use, it looks low momentum and sad.
Communities to feel alive should have a time too short, a space too small.