That's a matter of taste then.
But there wouldn't be many unexplained things left. Just replace Kaguya by Hagoromo alone who ate the fruit makes everything fine. If you consider, how powerful the Juubi is, it would make sense that the fruit itself granted such powers to turn a normal human into a god-like being. That would not exclude Ashura and Indra, don't know what you are talking about. But, yeah, to each their own.
A lot of people, including me, never liked this stuff about destiny and such.
That is simply not true.
It was shown that Hagoromo and Hamura sealed Kaguya the exact same way like Naruto/Sasuke did. It is impossible that Hagoromo could become a Jinchuuriki and then survives the creation of the Bijuu without the Mazo that was already in the moon. Simple.
Only your assumption, not a fact. Fact is that you need a Rinnegan to read the complete stone tablet and black Zetsu never had it.
Replacing Hagoromo with Kaguya wouldnt really work well.
At first it would ruin the story a bit, because the inspiration of the tree comes from Eve eating the apple and Hagoromo is male. But lets say he is female, even than it wouldnt really work well.
Due to the times, due to the Juubi trying to get its fruit back. It tryed to do so, because Kaguya was part of it.
Who wouldnt be in your version. Hamura wouldnt have the same role either, because he wasnt born strong (no Kaguya).
Also the Mugen Tsukuyomi being done by Madara, Black Zetsu altering the tablet to write it on there, wouldnt make sense, without Kaguya. Due to Black Zetsu being Kaguya's will. But Kaguya wouldnt be in your story.
You cant just replace Kaguya with Hagoromo. There would be no good explanation of the Hyuuga origin either without Kaguya. Just to name some things that you have overlooked in that case.
What you are saying is not true. He didnt do the moon right away.
It was
NOT shown that Hagoromo and Hamura sealed Kaguya the exact same way.
The ony thing that was shown, is that the seals on the hands were used.
Naruto and Sasuke fought Kaguya (with Madara with the bijou inside her).
Noone was made a jinchuriki after the fight, so the steps afterwards were done differently.
Hagoromo and Hamura fought the Juubi, which Kaguya was part off.
After the fight, they sealed the Juubi, in Hagoromo.
Making him the jinchuriki.
Than a lot of time later, the bijou were created, with the Gedo still being in Hagoromo.
At some point later he created the moon and sealed the Gedo inside of it.
Around this time, Hamura and his kind went to live on the moon and without the Gedo or bijou inside of Hagoromo, Hagoromo died some time later.
This is how it went and its different from the Naruto and Sasuke vs Kaguya fight.
Where all the steps were done at once, because noone was made a jinchuriki, the bijou were immediately freed into 9 and the Gedo didnt need to be in anyone, so it was instantly sealed into rock/moon.
Regarding black Zetsu. You dont need to have everything spelled out for you in this series.
Black Zetsu can record time and show it to others. So that shows that his eyes are already special.
He is Kaguya's will. Kaguya who has the Sharinnegan.
The manga showed that black Zetsu can alter the tablet. Its a fact by the manga.
At first the fact was Sharingan and Rinnegan.
Than another option was added on top of sharingan and Rinnegan.
Black Zetsu as Kaguyas will.
Why he can do it is my logical thinking.
That he can do it is a fact and not a plothole.