"I rather use C++ than being stuck in .NET 3.5, without any more modern C# goodies" - I use all modern C# features with XNA - what is the issue (except for async/await maybe)?
"I guess one has to decide if they want to make a game or a game engine" - exactly, but there should be a choice. XNA being a framework rather than engine provided such a choice in a high-level way.
I rather use C++ than being stuck in .NET 3.5, without any more modern C# goodies.
As for scripting ready-made chunks, I guess one has to decide if they want to make a game or a game engine.