That's probably a factor, but I'd imagine the more important thing is the effect that structures in more built-up areas have on the near-surface wind field. There are some really interesting papers on this (Lewellen especially has released at least a few), and it's a really complex relationship that can affect the flow of the tornado in a variety of different ways, but generally speaking any kind of "surface roughness" like that will cause disruptions and slow both horizontal and vertical wind speeds near the surface. Debris loading, too, will lower wind speeds.
Of course, the flipside is that more structures = more debris = greater destructive potential via missile impacts. I talked to someone who participated in some of the 5/3/99 damage surveys, and they said one of the things that stood out was you could often see this sort of chain of destruction where the first structure in an area is destroyed, which generates missiles that are hurled downstream, which enhances the destruction of subsequent structures, which generates more airborne debris, etc. And it propagates outward in kind of like a cone-ish pattern.
Anyway, that has nothing to do with vehicles lol. The point is, you'd probably expect the most extreme lofting of vehicles & other large objects to happen in open areas where there's little surface roughness and wind speeds, presumably, would be maximized. That's actually why I think tornadoes like Joplin, Tupelo, Bridge Creek, Moore, etc. are even more impressive than they might seem, because they still did things that would suggest pretty high-end velocities despite tracking through areas where you would expect near-surface winds to be slowed somewhat.