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The biggest concern in the "head shed" of my PMC is not damaging vehicles, since that is the big concern of the Client (US Government). It sucks to be a driver now, because if you have a road traffic accident, you may loose your job or be fined. The other problems are NDs and a lost of weapons thru neglect.
The cowboy days are long gone for the most part. We don't maintain a bubble around our vehicles, but instead let the Iraqis merge with us.
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Another thing to consider...
Rail mounted M203s sit lower than barrel mounted ones.
This adds bulk to you set up and I personally don't like it.
If you have a shorty AR, then a rail mount might be your only option however.