Templates displayed directly on a layout need to reference which pick they're displaying the information from:
<templateref template="vbaDetails" thing="some id" ispick="yes"/>
In the template, it says the compset is Personal:
<template id="vbaDetails" name="Personal" compset="Personal">
And then later you're displaying a portal that is field-based:
<portal id="VehReli" style="lblLeft"> <label field="vebReliability"> </label> </portal>
But according to your first post, the vehReliability field is in the VehicleBase component, which is in the Vehicle compset - you don't show the Personal compset, so unless that compset also has VehicleBase as one of its components, then the template's compset doesn't match the field used in it.