Free roam / random session = survival
Just like they say in boxing: "Gentlemen, protect yourself at all times". Once you hit the ground, the bell rings and it's time to survive b*tches! This is how I like to play and it's the survival aspect that makes the game fun for me.
Do whatever you have to in order to survive - including destroy PVs. Don't bring your PV to the playground if you don't have insurance. Simple as that, cause it will get destroyed at some point. Sometimes it happens because of collateral damage and sometimes an asshat will destroy it on purpose. My PV gets destroyed all the time, big f*cking deal. It's easy to make money in the game lol.
Just like IRL, you don't bring your valuables while going through the rough part of town. Well guess what, GTAO is one big bad f*cking neighborhood That's just how it is. If you're looking for the Mr. Rogers version of GTAO, it's called invite only sessions.