ScriptSpot is down right now, but when it's back up there's a 3ds Max script called Fracture that I use all the time. http://www.scriptspot.com/3ds-max/scripts/fracture-voronoi
Rayfire seems good. One thing though with any kind of destruction, for eg. rayfire it creates normal errors on curved geo! Even using a vertex normal stitcher script doesn't seem to help.