Some other affects to take into account relate to the ad hoc design of the target vehicle. Being hit by two rather large rounds could easily damage any weapon mounts, especially field installed turrets. Spreading WP could get through any viewports and almost certainly ignite anything stowed on the exterior of the craft (camo tarps, personal effects, extra fuel, etc.).
Also, the added armor and weapons were probably mounted using nuts and bolts. Violent shaking has a tendency to sheer bolts off and send the nuts flying about the interior. Small bits of metal can be blown off the interior as well and act like shrapnel. The real original USS Monitor had both of these problems even though its armor was never breached.
A purpose made armored riverine craft could shake these hits off, but a kitbashed vessel constructed post-Twilight would be hurting.
Benjamin
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