Well, my vegetarian version uses mushrooms for texture, since tofu is for even lower species' of cattle. That's the only kind I'll put beans in, which kind varies with mood and what's in the pantry. Pinto, black, navy, usually. Not partial to kidney, cannellini or especially garbanzos, they're just too big. Back in my pre-purist days when I still combined meat and legumes, lamb with lentils got a good response. Depending on who I wanted to offend, I called either it Kosher or Palestinean chili. That's the version the Smith family ate at the LRT conclave in Rocky Mountain National Park back when the world was young (1997, I think -- Rylla was maybe nine then).
Cheese is something you add to chili after it's dished out -- cooking cheese in a mildly acidic environment really fucks up texture.
I'm not a big fan of rosemary (the herb), but it doesn't hurt. Essential seasonings are chiles (well, duh), comino, garlic and mexican oregano. If you can't get a supply of mexican oregano, it's better to use its cousin marjoram than the unrelated mediterranean oregano. But
www.penzeys.com has every seasoning you can think of and probably a lot you've never heard of. (I'm a customer, not a tout -- got tired of wasting big bucks on tiny little McCormick jars at Shop-Rite).