Quote: "How do I insert the bullet holes? "
you could fake them with decals for pre-existing holes, not really an easy way to do it in actual real time though right now i dont think but that will come at some point down the road.
Quote: "How do I create a decal with flames or smoke? "
going to need to play with shaders, not my area but otherwise they will come by default too somewhen
Quote: "How do I create a debris after the explosion?"
with some custom models and a little bit of scripting this can be done to some extent
life's one big game
windows vista ultimate
i5 @3.3ghz, 4gb ram, geforce gtx460, directx 11