Chords As A Result Of Non-Chord Tones.

Hello everyone, I'm a little confused on chord progressions with the chords you unintentionally create. It's a very simple thing but somthing I've only worried about recently.

I am writing a slow passage, it starts on an F chord that lasts for a bar then goes to a G chord. There are three C's playing in the F chord and on the 3rd beat (4/4) one moves up to D, one moves down to A and one repeats itself, the F and A of the F chord don't move. I've noticed that this creates a Dm7 chord and it's got me thinking about other chords that  I'm creating without thinking about.

Do you always need to be aware of the chords that are appearing as a result of contrapuntal movement? I've never really thought about it before, I get my chords down on the strong beats for the harmonic progression and then use passing tones and neighbouring tones etc to create the melodies connecting the chords, without ever considering the chords that are being implied with all the motion in between.

It's just a diatonic passing chord that helps you get from one chord to another, no big deal.

By default, any note that doesn't belong to the chord is heard as a nonchord tone (http://en.wikipedia.org/wiki/Non-chord_tone).

If you put much "empasis" to the D7m combination, it'd become a "real chord".

The "emphasis" is something that depends on how fast the chords tend to change, its position within the mesure, etc...

Btw, a real Dm7 chord would be OK too (even with very strict harmony), because the C is prepared, and it would resolve a 5th below (Dm7>Gm)