With even a conservatively timed decrew, it easily does more than that.
Of course it is and I'm fine with the crew with zook but I feel this unit being really hard to learn for new players and if you have bad micro. Wooping out of the M20 in the right spot, using the smoke, ground attack are not so easy to learn commands for every players.
On another note, I think my main point is that the m20's durability often doesn't matter. It's most effectively used (after its initial ~2 minute shock window) as infantry harassment on the sidelines (read: against lone capping squads), scouting, and minelaying - none of these jobs really require it to be durable in any sense. Its best defensive qualities are its excellent speed and its smoke, both of which reinforce its utility angle even more. Skirts do allow for slightly more aggressive play and can ease the repair burden slightly, but they're by no means necessary for it to shine in most of its roles. It's called a utility car, and it's one of the few vehicles in the game that I would say actually fulfills that role while not also being a generic "drive around wiping stuff" vehicle, owing to its limited shock window and poor performance against most other vehicles (being at the bottom of the food chain of the actual vehicles out there). It's a utility vehicle, and you're pushed to use it as one, basically.
Of course though, this is just my understanding of the unit. Players will use this unit differently, and if the general opinion seems to be that it needs a change regarding its skirts upgrade then that should speak for itself. That said, I don't quite get that impression right now.
I use the M20 much more aggressively and quite often goes for the pfaust in exchange for a higher damage delivery to the squad. Sometimes it works, sometimes not. But yeah the skirt is really needed for me.