Destructible prefabs?

I am trying to build destructible environments with groups of static and fractured meshes. I have a bunch of modular building assets such as walls and doors and want to combine them into different prefabs.

I have tried grouping with:

• packed level instance
• packed level actor
• custom prefabricator plugin on marketplace
• custom blueprint (which might include ^^)

My question is about which of the above would work best, and how to make it optimized?

The two considerations I've had:

• fractured meshes without simulation turned on when spawned, no static mesh counterparts
• Static mesh which is switched for fractured mesh after it's damaged?