Our follow-up 2023 GRMHD simulation followed a 65°-tilted disk as it tore and precessed but include radiative and two-temperature effects. It produced luminosity swings from a few percent to about 50% of Eddington, remained thermally stable for more than 21,000 r_g/c, and formed nozzle shocks that compressed the disk tenfold and heated electrons to 10⁸–10⁹ K. These hot regions can potentially generate Comptonized emission and rapid variability beyond standard flat-disk models. Kaaz et al. (2026) showed that the same mechanism can power changing-look AGN. Ray-traced torn-disk simulations produce order-of-magnitude continuum and broad-line changes on month-to-year timescales, week-scale variability from inner-disk precession, and intraday quasi-periodic oscillations from radial breathing. The precessing inner disk also drives evolving red-to-blue broad-line asymmetries, which is a distinctive observational signature of disk tearing.