You are correct that you need full development in order to count the moment continuity. It sounds like you are working with an exterior column, since this would not be a concern where the beam reinforcement continues through the column for a full development length. One of the technique used to maintain strong moment continuity is to lap splice column bars and beam bars outside the intersection, this reduces congestion in the intersection while maintaining strength.
You should use Ldh only where the bar is hooked 90 (or 135) or 180 degrees. Ld is for straight bar. A bar is accepted as developed beyond the minimum development length (Ld or Ldh.)
I usually say that one should avoid oddly bent bars since their behavior in concrete is not predicted by the code requirements. Tighter bends than standard hooks can result in non-ductile behavior.
ACI 318 does a fair job of conveying these points without much explanation. The thing to realize about the code is that the provisions work together. One can argue that one provision is not truly representative of how a particular structure will work, but in order to use the simplifications offered by certain provisions they must all be applied as required. Going back to "first principles" only works if you do so with all aspects. For a production engineering situation, getting a safe, constructible design in an economical way is important, and that is the purpose of the code.
As time goes on, refinements to reduce the amount of materials in structures frequently requires increased complexity (cost) in the design process (more equations to get a similar design) and more difficult/expensive construction (more complex formwork or closer tolerances.)