Depending on how the vehicle operator/crew make use of the vehicle it maybe harder to actually get that vehicle destroyed. I could go for several hours in a Vanguard in PS in pop locked fights if I was driving properly, I don't see why this can't be the same in PS2.
What it comes down to for me is I don't want people just switching out of their current vehicle to something else just due to being able to get a full refund. A player should be smart with their resources. Being able to get a full refund for major purchases like vehicles prevents this in my opinion. If someone decides that a certain vehicle isn't to their liking for the current combat situation they can freely just recycle it for another. A player should instead have to choose whether to take the cut in resources or continue to fight in the current vehicle till it dies.
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