It's realism, sure, but it's going too far with the realism at the expense of story, awesome cinematic action scenes and fun. Taking those into account, dump the "realistic" approach in the nearest toxic-waste dump, IMO.
Even story, fun, and awesome cinematic action scenes have strong nods to realism. And a vehicle with this sort of mod is
certainly going to have an awesome cinematic action scene - a big and nasty crash.
Also, this is one of those times when you Do Not allow a player to get away with something shockingly stupid. Or do you allow them to kill trolls with a dice pool of 5 and a holdout pistol, for the story and fun and awesome cinematic action scene? No, of course not; that fits neither in-game realism or RL realism. So why would you let someone build or get away with something so obviously BS, when it violates both in-game realism (see Colorado Craft cigarette-hydrofoil above) and RL realism?
I'm all for good fun, great story, and awesome cinematic action scenes. But allowing
this is the pinkest of Pink Mohawks, so that may be what you like in your game. Isn't what I like, though, so ...
*BOOM!!*