Inactive are people with 0 growth, little growth can be tricky, but sending a scout would not hurt, unless player looks somehow scary to you. For inactive accounts it is reasonable to make a test farm list and send 2 clubs instead of sending scouts manually - if not troops they will pass, just make sure the list does not go on regular basis.
For fat farm search - generally yes, but you need to learn by your own trials and errors. As I said it can be someone else tech and be defended. Watch if account is in alliance that can send defend, distance from his other villages etc. I would only send ALL clubs if you are 100% sure you will get it, risk might be greater than reward.