I love dirty jungle scapes, i find the fish are always happier than they would be in a sterile "perfect" scape, but at the end of the day we are keeping boxes of water in our homes so i think as long as the fish are happy and healthy, whatewver anyone wants to do is fine.
As for missing fish, I once had a 10g community where the last fish finally died, so I was going to take it down and redo the whole thing. in the process I found a pair of otos I thought had died months prior ( i hadnt even been feeding them, so i have no idea how they survived) so I had to get a small tank set up for them and my remainiong betta from another small tank. They lived for another year or two if i remeber right.