Vocabulary Term Delete Inquiries

Do you allow authorized users to delete vocabulary terms, or must they inactivate or otherwise deprecate the terms?
May an authorized user delete a term that is in use? For example, if John Smith is used in the donor field of an Acquisition record, may the term John Smith be removed from the Name Authority?
1. If a user may not delete a term that is in use, what is usual workflow? Does the user delete all the usage and then delete the term, or does the user inactive or otherwise deprecate the term?
2. If a user may delete a term that is in use, does the term simply disappear from all records it is used in?
If a user would like to delete a term but does not have write permission for a record type using the term (in the above example, the user would like to delete John Smith but does not have write access to Acquisition), what is allowed? Does delete access to the vocabulary trump other permissions?