I am working on a multiplayer open world game. The architecture supports headless/dedicated server and a client hosted server.

The game does raycasts for server-side checks, to check player movements and weapons fire. However, in a client hosted server setup, not all terrain tiles will be loaded on the server for performance reasons. I do not want to impact the client user by loading/unloading terrain tiles to do these checks.

To keep the raycast check performant, one thought I had was to create a low poly collider for each terrain tile. This would include terrain and all static game objects. I am hoping this won't be too expensive to keep active for all tiles in a 10k^2 world.

Are there any tools to make this type of collider? i.e. merge all static game objects into one object and make a collider. I purchased Mesh-combine studio a while ago, which might help. https://assetstore.unity.com/packages/tools/modeling/mesh-combine-studio-2-101956

But I am not sure if this is the best approach?