Since you quoted me before about the subdivisions thing, I'm not sure if that came across correctly. You clearly NEED to subdivide that mesh a bit more to have smoother edges, specially around the roof pillars, and to avoid having reflection issues on the wheel arches with so much triangulation going on there.
Check out this polygon flow, it's below 170k triangles without interior (to compare with your 200k limit), that amount of density allows you to keep the seams and cuts more even and smooth than having fewer subdivisions in the mesh.
View attachment 350808
All this subdivisions talk....