I can see it now.
We have rules and limitations for a reason. These kinds of things, and more extreme, have come up in various games over the years. Targeting specific areas to blind or sever limbs, killing a vampire with a wooden "stake" shot to the heart, are all examples I have personally seen. The DM (sometimes me, sometimes not) shot down the ideas for good reasons.
There is still plenty of opportunity for creative play. I've had people cut the rope holding up the chandelier causing it to fall on multiple enemies, knock over a statue as part of an ambush, fire an arrow to temporarily attach the BBEG's robes to a door to slow them down and so on. But those things were situational and dependent on a specific scenario.
I've played with "yes and" DMs. It wasn't a game I enjoyed because the person that was best at playing "convince the DM" did all sorts of things that were overpowered. If I wanted to play a narrative story first game, I wouldn't be playing D&D. Different strokes for different folks.
Melee Fighter: I stab the vampire spawn in the eye.
DM: Okay, that's not really in the rules, but sure. The eye is hard to hit, we'll say it has half cover so an additional +4 to AC. Do you still want to try?
Fighter: I go for it! [rolls attacks, 1 hit is successful the other misses]
DM: After a couple of attacks the vampire spawn is now blind in one eye and is at disadvantage to hit.
Archer Fighter: I shoot the next one in the eyes
DM: Remember the penalty!
Archer Fighter: Nah, it's all good. I have sharpshooter so I ignore cover. [both hit]
DM: Okay, you blind vampire spawn.
Wizard: I cast scorching ray at 3rd level to get 4 attacks. Two at the remaining spawn and one at the vampire. I want to be sure to blind them both.
DM: Let me guess, spell sniper to ignore half cover?
Wizard: Nah, wand of the war mage. [rolls, hits the vampire's eyes, blinding it]
Fighter: Ummm ... okay ... I guess I'll pour oil on my sword and light it on fire.
DM: Alright, let's see. You need to get the oil out and the flint and steel. I'll let you do all that and juggle your sword but it will take your action and bonus action for the turn.
Ranger: I break off the arrowead of an arrow and, now that it's a wooden stake shoot the vampire in the heart to kill it instantly. I have advantage to hit because it's blind, right?
...
Next combat, the enemy uses similar tactics against the PCs with "creative" attacks. They start with chopping off the fighter's right hand so he can no longer swing their weapon, doing a strike targeting the ranger's heart to kill them instantly, blinding the wizard by attacking their eyes.
We have rules and limitations for a reason. These kinds of things, and more extreme, have come up in various games over the years. Targeting specific areas to blind or sever limbs, killing a vampire with a wooden "stake" shot to the heart, are all examples I have personally seen. The DM (sometimes me, sometimes not) shot down the ideas for good reasons.
There is still plenty of opportunity for creative play. I've had people cut the rope holding up the chandelier causing it to fall on multiple enemies, knock over a statue as part of an ambush, fire an arrow to temporarily attach the BBEG's robes to a door to slow them down and so on. But those things were situational and dependent on a specific scenario.
I've played with "yes and" DMs. It wasn't a game I enjoyed because the person that was best at playing "convince the DM" did all sorts of things that were overpowered. If I wanted to play a narrative story first game, I wouldn't be playing D&D. Different strokes for different folks.