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Good point. You could really get hurt trying to sit behind cheap plate steel (or anywhere near it--you'd be surprised the directions a bullet can ricochet off steel that takes a dent) and counting on it to stop a bullet. Your other thread about "cheap body armor" behooves me to point out that cheap stuff designed to protect your life in extreme circumstances is a bad idea. You can also expect that if you add enough steel to make effective armor to a vehicle not designed to carry the weight, you're going to wear every moving part out much faster. It will accelerate more slowly, corner more widely, and stop in a much greater distance, too.
And if the world falls apart and you're being hunted by an evil government, you're likely to find that armoring a car that needs a lot of infrastructure (fuel, roads, lubricants, tires, repairs) and going on jihad is low on your list of priorities. Being able to raise food, sew your clothes, and purify water would be better and more marketable skills, along with things like butchering small game, building effective drawing chimneys, and gathering colanders to strap on your face when you have to go into the wastelands.
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