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I would agree that each situation is different but thinking about things ahead of time is always a good tactic.

My recommendations start with driving off if possible. And remember, do not let the fact that the BG is in the way stop you. If the door is locked and he is not shooting, you can drive over him or drag him as necessary to extricate yourself.

Getting out of the car is always an option if you cannot drive away. I think the most forgotten tactic is the use of the car door as a weapon. If the BG is close to the door, you can slam it into him to give you a minute to draw or take other action.

And yes, in most cases, car doors are not cover. The average pistol will penetrate both doors if the windows are rolled up and no major objects in between. Windows down is better protection against rounds, but leaves a different threat. If it is a real concern, you can get kevlar panels for inside the door panels that will change it to cover. Ford Crown Vic has them from the factory as an option on patrol cars, but there are several aftermarket fits that are available too. One panel to get to threat level IIIA protection in each front door is not too heavy for the car.