I tend to determine such questions (for anything beyond basic arms and a uniform, not just vehicles) by a roll against the availability percentage. To me, it represents whether the PC managed to come in contact with the item. The cost is a second issue....
Or, let the player tell you why he has such a vehicle. If it sounds good and suits your campaign, it's up to you, of course. Frank Chadwick will not come and check.
Uncle Ted
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