I mean let the video fragmented. With the clips parts of a video separated, like the timeline, when you have the "clip 1", a part of a "clip 2", one part of the "clip 1" again, etc. And all the adjustmen, text, effects. "No rasterize" the timeline, but export with all the parts to after editing. Like the .psd format.
So, if I understand you - you want the clips as separate files, like they appear on the timeline, with the effects you have applied!?
It may help suggest a workflow if you explain why you want to do this - what do you want to do with those files?
Editing software is non-destructive to source media, so if you save the project file / library, you can always return to them to make changes. Alternatively, if you want to work on the film in another application, you'd export the xml and use that.
You mention you want to create the equivalent to a psd file - your FCPX library IS that equivalent. You seem concerned about rasterising, but that type of thing is not such an issue in FCP as it's non-destructive - you're always working with the equivalent of smart objects.