All wheel transport possesses forward and back protection - a bumper. Each class of equipment has the system of a suspension bracket of wheels and resistance to damage. There is also such equipment where on it the high rate is made. I cannot tell that all equipment in game considerably differs from each other in this sense. Often loss of wheels looks absolutely unnaturally.
The special attention of reliability of wheels is in military transport. They are capable to keep mobility at hit of bullets and small splinters, using system of pumping of wheels under way.
There is a wish to see these differences in characteristics in game.