Vehicles and Difficult terrain

I have always been disturbed by the difficult terrain rule for vehicles.
basically you roll a 1 and then you are immobilized AND you take an hull point.
In Italy we say "Cornuto e mazziato"
(meaning: your wife cheats on you and you get beaten by her lover too. Maximum scorn for you, bro.)

To adress this, we came out with two solutions:
1) If you roll 1 on the difficult terrain test, you simply get Immobilized
2) If you roll 1 on the difficult terrain test, you may choose to become immobilized OR to lose 1 Hull Point and stop your movement and considering the vehicle as moved at full speed for this turn.

Until now, we extensively playtested option 1), and we decided that it has a minor impact on the game.
What do you think abot option 2?

EDIT___________________________________________________________________________
My group is going to apply rule 2)
"If you roll 1 on the difficult terrain test, you may choose to become immobilized OR to lose 1 Hull Point and stop your movement and considering the vehicle as moved at full speed for this turn."