Metal, I definitely agree with everything that you wrote.
A bit of backstory here, but I have been writing stories since I was 11 years old and it was all young adult-style stories and stories that would never have any real smut content. Many years later, I wanted to start writing more adult-themed stories and that's how I got into RPing, to build my craft.
Having smut in the story is, for me, important but it should not dominate the overall plot. Man meets woman, they date, they fall in love, and they make love... that's kind of the format I created years ago. Now, in my current story, I incorporate some drama and other relationships (or cheating) but those smut-related scenes only help in the grand scheme of the story.
There has to be that level of respect and contentment with your characters and that will only make the smut more beautiful. The type of kinks, whether harsh or not, should really be used only if it fits.
If smut overshadows story, then that's a conversation between writing partners! At least, that's how I look at it!