You could nit-pick the issue of whether or not the damage code is modified by narrow burst before comparing armor as regards Long Bursts and Full Bursts. The explicit text on page 154 for these two leaves out the "is not included when comparing DV to Armor for P/S" caveat that the Short-Narrow Burst has on page 153. However, any good GM is going to recognize the omission as accidental, and I wouldn't be surprised if it shows up elsewhere in the text.
In case your hunting for it, hemgath, the rule Gun Nut is referencing regarding bullets bouncing right off is on page 167, "Vehicle Armor", last sentence. So that HMG with 5 successes (total ModDV=12) needs to be fired at a vehicle with armor no greater than 21, still a pretty decent effect, but then again, it's an HMG.
The SMG, again assuming 5 net hits (as Gun Nut says, what about the vehicle's dodge check?), it's useless once vehicle armor reaches 16, Machine Pistol drops out at 15. So, against unmodified SR4A vehicles (in other words, no Arsenal or War!), you want that AV Rocket the minute a GMC Beachcraft, Ares Citymaster, or GMC Banshee arrives on scene. Against the other vehicles, sure, an SMG or Machine Pistol could, with 5 net hits, be effective, if you want to get that close.
At least grab a sport rifle and stand off at a distance, they're not that expensive.
Open the door to Smart Armor from Arsenal and modify, say the GMC Bulldog Step-Van. Your GM is a prick, he gives the thing with Smart Armor 10 and Regular Armor 20 (GMC Bulldog has Body 16, so there's no acceleration / speed penalty). Now you're facing Armor 20*. On top of that, Armor penetration is reduced by 10 for the first 10 shots made against the vehicle. Now, none of these weapons seem effective. Against a modified delivery van, of all things. However, there's a catch, any weapon with DV=<10, the Smart Armor's effectiveness is potentially reduced, the only such weapon on your list is the AV Rocket. See page 132-133 of Arsenal for details.
* Some GM's will argue that Smart Armor adds to the base armor rating for a total Armor of 30, but to me, that's game breaking. The rules are quiet on whether or not it adds in, so I side with it only giving an anti-AP quality. This a house rule/rule interpretation on my part, so insert 30 above, if that's your preference.