It was very insensitive to call her dumb. Maybe you do not agree with what she is doing and perhaps you are right. But often what differentiates those who are in the right versus those who are not is the treatment one gives to those who do not agree with us.
OBL, the concept, has most definitely been killed. There is absolutely no doubt about that. OBL, the person, does not really matter and has never mattered. Specific particulars (family, mansion, SEALS etc.) are just background noise in the larger scheme of things.