The phrase you're looking for is "Battlefield taxi." You are correct, the humvee was not designed to be a battlefield taxi. It was designed for maximum maneuverability and the ability to follow the armor.
The Bradley is a decent battlefield taxi, although it is frequently used as a light tank. The M113 is a lousy battlefield taxi, IMHO. The Stryker is worse.
The biggest problem is that our long-term logistics planners are still clinging to the idea of a linear battlefield in which there are "safe" rear areas for light-skinned vehicles to operate. There is no such thing. We need to up-armor the Humvees as a stopgap measure, but the real answer is that we need an *armored* cargo hauling vehicle.
If the people demand that our soldiers be protected from the terrorist. Then the Military is going to have to start building APC's like M1's to carry them.
Of course then they'll all scream about the cost of the thing. The bastards.