Except the Wasp, those you can get in generation with Resources A are well above availability restrictions..
Only the Nissan Hound and the GMC Banshee are out of availability.
... and even if they weren't you would not have any other vehicle and likely only a PoS RCC. Once in play, there are too many other things you need to focus your cash in to be able to save up enough.
RCC isn't a requirement for a rigger. In fact, I'd say it's barely useful if you're going to focus on vehicles. It's also easier to save up for than the other items.
The idea of "ridiculous for a single runner to own" is ludicrous. If someone wants a character with decent (and decently modded) vehicles of each major type (air, water and ground) with enough seating for all of the characters and their gear, they should be able to.
Ares Dragon - 355,000
Samuvani Otter - 21,000
GMC Bulldog - 35,000
3x Rigger Interfaces - 3,000
Used Control Rig (R1) - 32,250
446,250 - given In Debt/Born Rich/Karma and you'll definitely have the nuyen to get your basics (about 20,000). You'd probably be able to pick up R1-R3 Reaction Enhancers as well. As for the drones - drones are easy to pick up after the fact. And you can probably squeeze in a Roto Drone with decent armaments and a Fly Spy as well.
EDIT: Also, realize, I'm not disagreeing with your main point. I want a cheaper, decent-seater aircraft capable of VTOL and hovering. I just don't think it's impossible to get one now. You just have to make significant choices to do it.