All of the monti frags were on heavily encrusted discs or plugs. Luckily these were all argonite plugs/discs not harder ceramic which my dremel cutting wheels barely scratch. It cuts through the argonite plugs like soft butter. I actually have to be careful to not cut too fast with the argonite.
For the plugs I broke off the stem first with pliers For both discs and plugs I cut from the back side with a dremel cutting disk. I cut an X into the back side of each disc about 75% of the way through. After the dremel cuts were made I used a screwdriver to just barely crack the rest of the cut groove. I then flipped over the plug to the frontside. Wherever the crack in the monti on the front didn't seem to be follow the cut on the back, I poked it with dental pick to align with the cut. Once I though I had the cracks in the right place I finished prying the cut groove apart with a screwdriver from the back side.
This left me with four wedges per plug disc and very little direct tampering with the front (growing side) of the plug. I super glued the frags to new discs. The remnant of the original plug on each new frag plugs is a little bigger on than I would like. I am not sure how others make smaller frags from plug frags. Perhaps they just divide each disc up into into smaller pieces.
For the zoas I used bone shears to break the bits of coral they were growing on and then a razor blade to separate the individual polyps apart. I tried to slice only between polyps (mostly successfully). I was paranoid about doing all the work on zoas without using the dremel cutter because of the stories about aerosolizing zoa/play flesh and palytoxin. I need stronger bone shears for future attempts as the ones I have were barely able to manage the smallest coral chunks.
None of the things I fragged were particularly exotic, but more importantly, most of them survived the ordeal. I hope to learn more and be able to frag with greater confidence and skill eventually.