Exactly..
Does it take 5 seconds or 50 seconds? Even 5 seconds is almost imposable on a small moving target.
Several years ago the Marine Corps was working on an anti tank weapon that would be perfect for dealing with pirates. It was a small tungsten rod mated to a simple rocket.
Flying at 3 times the speed of sound it was fire and forget because even a target moving at 40 mph left to right would only move a few feet before the rocket could travel to its maximum range. The shear velocity of the impact destroyed the target.
It tested well and the Corps tried to buy some, but Congress rejected the purchase. I guess it was too cheap and simple which did not make enough money for the right contractor.
Coupled with a small explosive charge it would have been cheap to build and deploy on land and sea. Paired in a mount with an M2 .50 cal it would have wrecked havoc on small and medium sized pirate boats.