@Tim's rule of thumb about duration is definitely solid. The rate of chord changes - called harmonic rhythm - is generally around two chords per bar for a fast harmonic rhythm to about one chord for two bars for a slow harmonic rhythm.
But, I would apply two other guides:
- keep to the simplest harmonic description that shows the clear tonal functions
- and Schoenberg's adage: follow the bass.
Your example...
Dm - Dsus2 - Fmaj - Cmaj
I assume these fingerings...
Dm xx0231
Dsus2 xx0230
F x33211
C x32010
Apply the other two guides...
Simple harmonic functions: is there a functional difference between Dm
and Dsus2
? No. The root doesn't change which is a pretty good indication that harmonically nothing is happening. Additionally, in the major/minor system of harmony where fundamental chords are major, minor and diminished triads, is Dsus2
really a bona-fide chord? No.
Apply Schoenberg's adage. Literally, follow the bass, ignore the details in the upper voice(s). Again the bass isn't changing, the root isn't changing. There isn't a harmonic event.
Do not misunderstand this to mean the Dsus2
is not important.
The point is Dsus2
represents melodic events rather than harmonic events.
Duration doesn't matter too much. You could play Dm
to Dsus2
as a quick pull off and go straight to F
. Or, you could play all four "chords" with a quarter note stroke and give a full bar to each. Either way the sus2
part is just a non-chord tone decorating the proper chords Dm - Dm - F - C
.
In everyday speaking Dsus2
will be called a "chord." That's just plain ol' natural speaking. But in the context of this question of passing note versus chord - it's not a chord, it's a neighbor tone.