Very true, however for a first time GM of an unfamiliar game system, it might be best to call that an "advanced" option? Figuring out the AV equivalent could be a bit of a struggle to begin with.
Might be easier to simply assume the target is behind a sufficiently great amount of material to make the penetrator either not reach it's target, or loose so much energy in doing so that it is unable to penetrate the vehicle armour.
It also gives the players a greater reason to keep in cover as much as possible.
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If it moves, shoot it, if not push it, if it still doesn't move, use explosives.
Nothing happens in isolation - it's called "the butterfly effect"
Mors ante pudorem
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