Wow, after looking for almost a week, then as soon as I made this post, I found them. No need to reply anymore! They are in gamengine.zip\art\sound\FMOD\Desktop\vehicle.assets.bank
Yes the .bank files ARE encrypted just as the vanilla engine sounds are. It sort of annoyed me a little at first too but not anymore in fact since I read Diamondback's 'sanity-argument'. I totally agree with that. They are working hard to make the sound system accessible for customization without people 'turning the show into a clown spectacle'. https://www.beamng.com/threads/fmod-modding-requirements-survey.67652/