@commie, we can use damage eventhandlers to tweak the damage to vehicles/passengers. Since collisions return nil/empty string in Attacker, we could assume that whenever a player is in a vehicle and has empty string as attacker, it's collision damage and we would return 0 or half damage.
I'm sure that we'll get some bugs out of it, since damage reporting can be pretty damn glitchy (from my experience in arma 2) but we'll have to try and see how well it works. The only thing to worry about is how damage is reported to passengers, because I think their damage is reported as being attacked by the driver... but I'll have to check.
As long as the black screen thing isn't "compileFinal"ed we should be able to fix that (I won't check on any TacBF stuff until my summer break in just a couple of weeks now).
All of the insurgent (search and destroy) missions have hideouts.