One can also assume that we will be able to secure our vehicles before something like this ever gets introduced into the game. Locking doors in some way, where you need a key for example, or maybe a fingerprint, DNA print or something similar. This stuff should be somewhat common in the Cataclysm Timeline. I could also easily imagine that turrets would open fire if someone tries to break into the car by force.
As Coolthulhu said, they will be able to cross the Reality bubble by that time, which also means they won’t just appear, you will at least >hear< them, and possibly see them in a flat area. you’d have plenty of time to dodge, hide or otherwise prepare yourself. Also, not every npc would want to kill you I’d imagine, so they could also try to evade you.
No benefit? Let’s see here:
- More Vehicles means more Vehicle Parts. This is especially true lategame, when they, as the OP said, have improved, makeshift vehicles, with rams, armor and possibly weapons.
- It would give the world flavor, more depth.
- Ever vehicle will come with loot. The loot itself would probably improve with time, like the vehicles.
- You could manage to get a vehicle yourself, if you manage to kill the driver.
- Vehicle Convoys. Oh yeah. That’d be cool.