The point about sea anti - ship drones. On land, large and slow drone against armour, with short range ATGM not useful. Both agree. On land drones do not have to be long range. Lines of contact are close. At sea, ships are far away to avoid becoming target. So need large drone wingspan fuel to reach. But means slow and easy target if too close to ship. Drone can carry own weight plus payload. But if separate payload, with own body and engine and avionic and sensor, then can be only small warhead. Not effective against ship either.
But separate missile must have own avionics. Most expensive part of missile. This gets destroyed every time anyway. And we save body of UCAV. BUT have to make two avionic. So cost more. Plus, when UCAV turn around, it exposes engine to heat sensor and become target.
Therefore false economy to separate UCAV from missile. Best have UCAV that changes to missile or torpedo near target. No more big wing or slow. Rocket ignited. Engine ejected. Wing ejected. Evaporative cooling of body to ambient temperature. Composite body. Bigger payload. Because not carrying two sets of control and actuator and body. Just one set. Loose weight. Not gain weight.