Therefore, maximize speed to maximize damage . If purpose of a technique is to break bone, then use a high velocity impact with a small target area. If purpose of a technique is to cause internal damage, then use a technique that will transfer momentum.
I think this is best explained by following through to your target area. If your target is internal, then follow through to it. If the target is near the surface, "snap" it.
You are the first person I have heard explain it right, even if you did make it very complicated to follow

People keep asking how to measure the force of a punch. What they don't understand is force (f = m * a) is the formula to measure the energy it took to get the object moving at that acceleration and speed. That is how to measure the effects of a punch.
To measure the effects of a punch, you need to use the kinetic energy (ke = 1/2 mass * velocity squared). So you are very correct that speed is the biggest factor unless your target is deep inside. If the target is deep inside, the ke will not reach the target unless you have the momentum to reach it and that needs mass behind it unless the impact area is so small, like a bullet and even then it can be a problem reaching the target (such as shooting into water).
Now if you can get your whole body behind a punch and only loose a little speed, then that is most effective. Now if it's a rotational strike like the brazilan fighter in "Fight Science" (which by the way, they got it all wrong), then you have to use the rotational kinetic energy formula which is complex.
Why was "Fight Science" all wrong? Simple, they were attempting to measure force which I stated above is a measurement of a totally different thing. The formula for force is f = m * a (acceleration). Now lets think of a truck that is on a highway going 50 mph and has been for a long time. Not much acceleration there. Now lets say the driver lets off of the gas pedal for 10 seconds before he hits something; the force is a negative number because the acceleration is negative, but I get what ever he hit didn't think the impact effect was a negative value. You see, the formula for acceleration involves time. A beginning time and an ending time. That is irrelevant when it comes to impact. What matters during impact is mass. speed and the base. That's all.
One more issue. Kinetic Energy is measured in Jules. Jules can be converted to PSI or PSF or bunch of other values, but as you can see, the size of the impacting surface matters greatly like a bullet which focuses all of it's energy in a very small area. If you took that same Jules and spread it out over the entire body, which is what a Kevlar vest does, then the effect of it is much less. I say this because I keep reading that "you don't care about psi" which is totally wrong.
I hope Delamar and I have put to rest a lot of false information, especially that crap in the "Fight Science" video floating around. Want to know which fighter has the most impact damage in that video, it's simple, look at the reaction of the bag. The bag doesn't lie. Every action has an equal opposite reaction. You can also hear the difference, which was the Brazilian fighter. Why? Because even though he was a little slower, he had a LOT more mass behind his kicks. Sure, speed is most important but when you can get your whole body behind it, you can afford to lose some speed.