I find it less than credible that the SS would not have already thought of the points you raised. That is why I find the accounts I've read extremely suspect. I truly think
something else happened. Thinking that, I can only speculate on possibilities and reasons. I find none that I can substantiate.
IMO, we just don't know what really happened.
The possibility that something else might have happened is downright frightening to contemplate. Colombia, drug lords, drugs, prostitutes - what could go wrong?