Several decades ago I ran a mini-campaign set in the Midwest. It was a linear campaign with the group simply trying to get from Point A to Point B (from Des Moines to Jamestown, NY (Jamestown is where we all grew up and lived)). They had a couple of vehicles in the group, mostly civilian but one APC. When they got to the Mississippi they discovered that every single bridge within 200 miles was destroyed but there was a small villiage with a ferry service.
At the village the group was told that payment to cross the river would be the APC (the village had a problem with bandits and they thought that the APC would help them out). The easy thing would have been to simply give them the APC or look for another crossing (there were one each several days North and South where they could have crossed without giving up the APC). The hard way, of course, would be to try and fight their way through.
This idea can be plopped down just about anywhere that there is a river or a lake.
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