Half em vee squared. A pickup has many times the the kinetic energy of a wooden cart - around 50 times at a rough estimate. And it’s higher speed makes it harder to avoid.
Good luck getting the dragon to sit still while you get up to ramming speed. Is it just going to be plopped down immobile in the middle of the street while you start accelerating from a quarter mile away? How is this much different than ramming it with a sailing ship that has far more mass then you F-150? Dropping a magical fortress on a bad guys head is something that happened in a game I was playing. The DM just made a call and we went with it.
Because the real modern world is familiar in a way that a fantasy setting is not, the players will be familiar with the many common things in the environment that can be used as weapons or to solve problems. Microwaves, blenders, household gas and electricity supplies, lawnmowers, fire extinguishers, fork lifts - all these common environmental items are things players are going to want to try an use.
And anyway, why would the PCs, or the villains, not have access to military technology?
I don't consider D&D particularly realistic in the real world sense. They're action or superhero movie realistic, pretty much every video game RPG for FPS I've ever played has been the same. Reality is boring, in whatever timeframe it's set.







