So a people mover has a different job than an IFV for me. A people mover I want cheap, fast, and armored. I need it to get to a safe disembark location behind a hill, dump the troops out, and get out. An IFV, I want for shooting, and the small infantry it carries is just there to keep people honest. So a ML scorpion or Goblin, I want that turret as the IFV is getting into the thick of it, and the 1 ton infantry squad disembarks as a side thought. The heavy hover APC though, I want either no weapons, or an LRM5, or a scattering of mguns. This is a people mover first, and the secondary weapons for me are to plink with after the job of disembarking infantry. The turret isnt necessary here, but I wont kick a design away because of a turret. Turrets do increase your survivability in terms of hit and crit locations, even if their tonnage costs you total armor coverage, so long as you had some armor to start with.