I totally agree. Using a car as a battering ram should be an emergency tactic with a chance of breaking your vehicle or making you lose control. Killdozers should be possible, but only if you collect all the steel plating and build one yourself.
There are already some funky mechanics for driving. Hitting the slime trail for a giant slug can make you skid off the road.
Like hardly at all. The exceptions are headlights, windows, and RV units, which all break pretty easily. You can drive a car through trees and buildings without trouble.