Destruction with physics question (Chaos vs custom)

Hey!
I am trying to make a functionality for static mesh destruction and character mesh division into parts at runtime.

I am curious about the general consensus. Should I use Chaos or simply use premade mesh parts in blender and spawn them at runtime with physics enabled?

Chaos seems to be cool, but I just don’t know how heavy it is, and how customizable it is to avoid repetitiveness

p.s my game is kind of heavy on CPU usage already