I don't think you care to ride into battle with a 12.5mm gun mounted on a Yugo, much less a 20mm. That's where the Hilux and other mid-sized vehicles are useful

I don't think you care to ride into battle with a 12.5mm gun mounted on a Yugo, much less a 20mm. That's where the Hilux and other mid-sized vehicles are useful. But your analysis it otherwise pretty accurate.