Meh... Bullet proof car fixes that if you do it right.
Drive fast...Set passengers to NO ONE. Do a quick stoppie 180... It will kick the player out in mid spin. And leave them facing the back end with no target lock on.
RPGs and miniguns don't lock on to targets....
Well.. I never said you have to park there like an idiot and let them destroy your PV.
If you kick said player out you can just drive away before they know what happened. You also have the jump on killing them too. So, shoot if you want if you see them fumbling over weapons.
Its not like the player is ready for the said boot.. They don't have enough time to cycle to RPGs or Mini guns. Mini guns barely matter.. RPGS need to be timed out. In most cases you could drive away or drop that player before he does any damage.
So it does not matter 'what they do'.. Been doing this for a while. never had a problem. The key is to do it quicker they can think.