Not entirely true. If you are 90 degrees out of phase you can be down that much. However, if you are only 45 degrees out of phase you only loose 3db or half an s-unit. So yes, I have to ask, why not scrape a bit of the vinyl off and load it up. I'd think you could put an insulator or two and create a 2m dipole or a 6m dipole depending on length. Alternately, you could use a 108" whips bent back as a riser. Look at some military vehicles and some folks that try NVIS. Its not ideal, however, you are not trying to win a contest just chat car to car or back to camp/base.