I created a tool that allows me to destroy mesh procedurally in real time with two different types, one using projectiles and the other using a laser. To create this whole system, I use mesh dynamics. I'm not using Chaos and the destruction is no bake is full procedural and depending on the player's shots.
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Example use of destruction with projectiles.
Example use of destruction with laser.
The mesh can be physical and destroyed at the same time as these movements, its velocity will be kept and destroy the mesh at the same time.