So, as suggested by @trevor.adams, I' reproposing my ideas in separated post in order to be more precise.
We need a good fracturing system integrated with the dynamic system: we need it to be stable and with more controls.
Generally they are based on particles used to make boolean operations to break the geometry and creating inside faces with a different material for texturing purposes.
Some plug-ins like fractureFX also work massively well with rigid bodies and nCloth simulation: you can literally just press the button "make dynamic" in order to get thousands of shards working straight away.
You can find some examples here:
iShatter: https://vimeo.com/154769758 (this is so awesome)
PullDownIt: https://www.pulldownit.com/
FractureFX: https://www.fracture-fx.com/
RayFire: https://www.youtube.com/watch?v=u_2qKQpxCRw
Houdini: https://lesterbanks.com/2016/07/create-highly-detailed-fractures-houdini/