Though you are probably right and many cars with just FM/AM and DAB still put them in windshields.
I’m not sure about that 3+ antenna claim for FM. Do a fact-check there. ;) I think most diversity antenna systems that you describe use 2. And they are still considered “premium”. 3 is a bit overkill for FM, FM is very resilient against obstacles.
If I’m wrong, would be interesting to see an example of a car that uses 3 or more. Probably far outside of my pay grade to say the least.