I was going to state about that any unit or vehicle is always more expensive when purchased "singularly" compared to when its included as part of the "formation" anyway.
The Lloyd (60 pts, standard) can tow guns. The Bren/Universal (71 pts, standard) cannot tow guns. I dare say that's the answer. The reason to choose the Lloyd over the Bren/Universal is because you want to drag some guns about. So role wise your sort of comparing apples and oranges here. Now compare the Lloyd against the other vehicles that can tow guns such as the Jeep (48 pts, standard), Morris (42 pts, standard) and M5/M9 (73 pts, uncommon or limited). Does not seem so expensive in that context now does it?
Disclaimer: values taken as examples from the "single vehicles" on the quick battles force selection screen, your values may differ.