I see no all-round solution. I doubt that infantry that's properly embedded in the population really needs armoured trucks for road travels in COIN.
I'd integrate local militiamen into community-embedded platoons/companies anyway; the locals would create a safe environment and warn of dangers more thoroughly with some of them on every "foreign" vehicle anyway.
Soldiers could also use local transport vehicles on raids and intelligence missions.
For higher intensity conflict I'd suggest light trucks (a new category of light trucks!)
- partially fragmentation protected (up to level I (~ 9x19mm ball short barrel, a bit more protection than old kevlar flak vests), also the tarpaulin, windshield and door windows)
- minimized ground clearance when parking (hydropneumatic suspension)
- low height (folding windshield, fragmentation protection panels and roll-over bar)
- probably small enough for civilian car garages (folding mirrors, cabin accessible through folded windshield, bumpers all-round)
- prepared for quick camouflage and de-camouflaging with nets (also capable to fake urban objects with different camouflage materials)
- very low noise level
- self-recovery winch on 50% of vehicles
- several large fuel tanks, several small fresh water tanks, high mpg
- capable to cross irrigation trenches, fences, wet grassland
- driver sits in center, left and right sit gunners with good automatic firepower (pintle mounts)
Such a truck would survive indirect HE fires less well, but it would be much less likely under such and other fires. The small signature to enemy reconnaissance would increase the uncertainty for the enemy.
Imagine an infantry company occupies a community close to a major city to block an important road nearby. It's no rural community, so there's no barn. MRAPs cold be parked under gas stations , but most of them only in the open.
An enemy 5 lbs drone makes a fly-over and the enemy knows almost all truck positions and the defender strength. 320mm MRL and 142mm SPH flatten the community with HE, a mech company approaches combat-like and clears the ruins.
Imagine a company occupying the community with my light truck design; you could send much better recon assets, even drive through with some recon AFVs and would still not become aware of the occupation.
In high intensity warfare you need to defeat their sensors, not their munitions for survivability.
Some people believe that "stealth" doesn't work on the ground. They think too much of Arab deserts imho.
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