U guys could all gang up on me with Kurumas and 9/10 times ill rekk u with Grenade Launchers/Homing Launchers etc... Especially since Homing Launchers are like RPGs as soon as you master the way of avoiding lock ons.
Kurumas are only OP against low levels with no explosive weapons and people with no aiming skills.
What pointless fucking bravado. Again with your cooked up fantasy scenarios where you're sitting in cover with your homing launcher out and the Kurumas drive out at you in a straight line. Yes, I too have killed a great many Kuruma drivers because they're awful. That doesn't make the car balanced.
Fact: if the Kuruma is in range for you to manually aim an RPG or a missile launcher at him and hit, then you're long dead from his AP pistol. AP pistol has a faster rate of fire than RPGs. AP pistol has a bigger magazine. AP pistol's projectile travels a hundred times faster. AP Pistol has a longer range. AP pistol will hit moving targets effortlessly.
Fact: the Kuruma is fast and that means hitting them manually with explosives depends as much on luck and the Kuruma driver being bad as it does on any kind of "skill" (of which there is very little when using explosives, it's not hard, you need no aim and no tracking....)
Fact: if it's "easy" to "wreck" Kurumas with explosives, then explosives are OP as fuck, because then you'd be able to do the same to any other car even easier. Meanwhile in the reality of GTAO, people trying to hit players in fast moving vehicles with slow explosives (hint: all of them) are 99.5% of the time free kills if you know how to not drive in a straight line at them and can track their head with your mouse while driving.
Fact: Just because it's possible to beat something doesn't mean it's not OP.
Now stepping away from LordBerenger's fantasy scenarios of being super pr0 and having the upper hand by default because it's his dream world, in reality you'll encounter Kurumas when you're on foot doing something other than Kuruma hunting or in a vehicle that isn't OP as fuck. Meaning you're dead before you can pull out your explosives, aim them and shoot them if the Kuruma driver has half a clue about what he's doing.
Another part of what makes the Kuruma OP is what's already been mentioned, insurance and the fact that explosives cost a great deal of money per single use, meaning it can easily cost up to 10k per kill. Any other vehicle besides tank and you don't have to destroy the vehicle, you can kill the player.