1) Ill get to this as soon as I get to my books, I need to calculate affordable speed X damage value for Rover
I was asking if I need to spend my 1st IP ! To do this, or any other, and when the crashing would be resolved...or is it done before tactical combat?
IDN...im confused even from fusion of vehicle and combat situation, in vehicles combat turn take 20 seconds, well in standard tactical combat it is 3 sec... 
2) And would you allow me to load that cluster as whole?
1. trying to ramm a car that is trying to avoid being hit, takes complex action. otherwise I'd resolve this a simple crash, that doesn't need to have any rolls attached other than damage resistance rolls.
the time frame is changed for chasing combat not for tactical combat that include vehicles.
tactical combat goes with standard 3s combat turns, chasing combat has 1 minute intervals (20 combat turns not seconds).
2. you can load your cluster as a package - I'd go even further - you can load package of programs that you have marked as loaded on the beginning of the run that will take a simple to load and simple to run.