IRL, this stuff happened tho -- if you were that close you WOULD have taken hits from debris. So, if AH models it based on the explosion, it doesnt really matter because the end result is the same.
I remember reading about a 38 pilot who dropped in hard on a Zero, hammered him from point blank, and flew through the wreckage. ALmost immediately, his r engine began revving, and overheated despite every effort he could make.
When he RTB'd, he found a sheet of japanese aluminum, pressure molded against the air intake of that engine like a perfect jet intake cover nowadays.