Sounds like your idea about the door is better than mine. I've never done characters w/ hand-to-hand combat, but your idea of two objects for a player, one for movement, the other for combat sounds like a good one.
Yes, I believe for multiple groups, you'd have to check each one during each frame, so multiple checks. Sparky's is fast enough that it's never been a problem for me. In my experience, Sparky's is several times faster than the visual renderer, actually (although my rendering hardware is primitive (no pun intended!
)).
As for having to load other map sections during gameplay, yeah that's nasty. It seems that most (or all) professional games do that, and yet it's absolutely unnecessary since most games use the same object types over and over, regardless of which "level" you're playing. What you can do for maximum performance is to show only the objects that are within the player's field of view, and hide all the rest. Also, you can have a library of objects and reposition and reorientate the same objects for different major sections of you map, to save memory. It would be much quicker (real-time) than loading/unloading. And if you needed to, you could spread it out over a few frames.
This would require a good bit of programming though (you'd basically have to create your own mapping engine), and you'd have to build your maps, object by object, rather than loading .x or .dbo levels. But you'd be able to create HUGE maps that would blow the "professional" games away in performance (and detail, if desired). Perhaps that's beyond the scope of your project though. But if you wanted to attempt it, I created a thread a while back in which I gave an overview of how I did it (although it was crude, but effective). I didn't have the library idea for repositioning and reorienting models to different major map sections back then. It just covered showing only the objects visible while hiding the rest. It gave a MAJOR performance boost.
http://forum.thegamecreators.com/?m=forum_view&t=209149&b=22
Judging what we see is the greatest blinder and self-limiter in the universe.
What we perceive is never reality. It is only a story we tell ourselves based on our current perspective, which has far more to do with our beliefs about ourselves than with anything else.