There are some things that I disagree with from your statements.
first of all to say it's just normal concrete just because we can't see the rebar or the character doesn't destroy the rebar is something wrong, in testing the stresses that reinforced concrete can withstand, either by compressive strength or tensile strength, the test will stop when the the reinforced concrete is fractured even if it's only small crack the test will be stoped (you can watch some video about it), that means the value obtained from the test comes from the fracture of the part you call "normal concrete" in reinforced concrete, meaning that if a character only makes small cracks in a reinforced concrete, we still have to use the destructive value of reinforced concrete ,and actually we have to do additional calculations for the rebar if a character completely destroys the entire reinforced concrete.