It's not recommended to use separate fields for latitude and longitude. The 2dsphere index is used to index geospatial data which requires an array of coordinates, see documentation. This is the reason you can't find examples for separate coordinate fields.
You should separate representation from data storage. Just because coordinates are stored in an array, you don't necessarily need to present them as an array to the user. For example you could use a pre call on save to store separate parameters in an array, something like:
var schema = new Schema(..);
schema.pre('save', function (next) {
this.coordinates = [this.longitude, this.latitude]
next();
});