I guess this is not discussed, because most of the users are beginners and don’t think about something like that. And the user that are skilled enough in C++ just create it for themself.
This is happening on other topics too (Steam integration for example).
With Loading assets from server you mean exactly what?
You want to add more content over time after your final build or give users the ability to create their own content, which can be downloaded by other users?
Would this be something for you?
(: