Found this thread randomly searching on google for the same thing. Anyways I already PM'ed a response but figured id post it here for any others like me searching google.
Theres one other game I know of pretty much exactly like these two games, its called Soldiers of Anarchy,
http://www.soldiers-of-anarchy.com/e/ie_index.html
its made by Silver Style Entertainment. Its older than the other 2 but not by much, and still looks great today. Its set in a post apocalyptic world.
Only feature it doesnt have is the direct control.
Also Men of War is going to be coming out soon, same type of game, based in WWII from the makers of SHOWWII, and Faces of War
I saw you other guys recommend COH, and a few others, I love COH, but if you have not played Faces of War or SHOWWII you are really missing out. The attention to detail is surreal. You can get in all vehicles, and if you run out of fuel you can grab a barrel and syphon fuel from other vehicles for your own. You can set fire to anything with matches, blow up EVERYTHING with realistic physics.
Anyways both releases were overshadowed by more hyped games, SHOWWII was over shadowed years ago, and Faces of War was overshadowed by COH. You can find Faces of War for $5-$15 at most stores now. Highly recommended.