Sure it is.
Basing on the community reaction, I realized questions regarding
complex programming problems are above the level of advancement this
community is willing to analyze. Should I take such issues to SO even
though game development related?
Complexity isn't an issue, but broadness is. StackExchange isn't a discussion forum, and overly broad questions don't tend to have single objective reasonably-concise answers. Instead, they tend to generate discussion, which is excellent, but not something SE wants to host (and indeed, not something the resulting site software is well-suited for).
Generally if one could write a book (or several chapters thereof) on the topic of the question, it's going to be too broad. The original revision of your question certainly fits that bill.
You're asking if things are a "good choice." It is a rare thing in game development that is always objectively the best option, and so a good answer to this kind of question usually involves back-and-forth discussion of a lot of the nit-picky details of one's projects, and/or an extensive breakdown of the list of pros and cons to a particular choice in a vacuum and long discussion of potential alternatives.
You're asking multiple unrelated questions. Each of your original four main questions could be a question on its own, and in your subsequent paragraphs you often pose one or two more questions.
You're asking us to see the future. "Will this bite me later?" for example, is not something we can objectively answer in a way that improves the site's index of knowledge for posterity (we can only really say "maybe, maybe not").
You don't scope the questions well. You don't provide a lot of detail that narrow down the problem space; without doing so, answerers need to contend with any possible scenario.
Addressing these issues will improve the question without really reducing its complexity (destructible objects are still a complex topic not matter how you slice them). Focus on explaining what you tried, what you want, what you got instead. The more specific and directed you can make your question, the better, as long as it doesn't so specific as to be "here's all my code, fix the problem please."
You'd likely run into the same barriers on SO. You're certainly free to try to ask there if you don't want to improve the question here, but I suspect you'll be met with the same result. In the original form you posted it, your question just isn't well-suited to the SE model. A site like GDNet, though, would work well because it is a discussion forum.