I have only one character roll - the "vehicle commander", or the person in the best position for observing (usually the one with their head out the top).
Driver, drives.
Gunner (in most AFVs anyway) usually rides with their head down and a limited field of vision.
Loader (if any) might be allowed a roll, but only if they're not in position to carry out their primary role (that of providing ammo to the main weapon(s)).
Commander, at least to my knowledge, is most often tasked with not just controlling the overall positioning of the vehicle, but of spotting targets for the gunner.
Passengers may be able to spot also, but I tend to rule that unless the player has specifically stated they're not taking the opportunity to rest (fatigue rules kick in here), they're out of position (ie head down, eyes closed, and down inside the vehicle).
If multiple characters are in position to spot, then I'd use the highest skill and give a slight bonus for each additional pair of eyes.
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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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