ind out which rides gain an armor boost when occupied and how it affects gameplay!
The streets of Los Santos are perilous, with players wantonly donating high explosives to their fellow man with alarming generosity. In such an environment, protection is key, and when you need to get from point A to point B, it's usually helpful if travel time isn't multiplied by your vehicle being destroyed several times. Some aspects of vehicle durability are much more than meets the eye however, and we're here to help.
Reddit user Eagle_Kitty_Cat put together a helpful guide and spreadsheet which provided us with plenty of data. Beyond giving players numerical metrics as to what vehicle can take how much of a beating, this also reveals that there are underlying mechanics of GTA Online that players don't normally have insight into.
One of the main takeaways from the testing is that, curiously enough, some vehicles change their stats based on whether anyone is sitting in them. As the spreadsheet shows, several vehicles get an armor boost if they are occupied. This snippet of the game's design is likely linked to balance, however it is an interesting tidbit of information to keep in mind.
From a tactical point of view, this can be useful in PvP as instead of shooting more ammo into an occupied vehicle, you might want to wait until your opponents get out, but stays close enough to be caught in the blast radius of the explosives you use. That way taking both them and their vehicle out will require fewer resources.

When it comes to explosives, the weapons can be categorized roughly into two tiers: high-powered explosives and low-powered explosives. All hand-held weapons sans the Homing Launcher fall into the high-powered category (meaning RPG, Grenades, Grenade Launchers, Sticky Bomb, Pipe Bomb and Proximity Mine). On the flip side, all vehicle mounted explosive weapons are low-powered, as is the Homing Launcher.
While technically filed under high and low-powered, respectively, the Rhino Tank's shells and the Valkyrie's explosive cannon can be considered separate, since the gaps between them and others in the categories are vast. The Rhino's shots are significantly more powerful, while the Valkyrie's are peas.
This is another interesting bit of gameplay balance. You'd think that weapons mounted on military vehicles would have more destructive power than handheld weapons, however with the notable exception of the Rhino, the exact opposite is true in GTA Online. The reason behind this is that vehicles have significantly greater armor and resilience than players, being squishy mortal humans.