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Hey, I want to take the inquisition chimeras and slam vets in them to utilise the 5 firing hatches, how can i work it out.

From what I can see I can't just take chimeras since it seems that I absolutely need to take a squad of acolytes concidered elites to utilise a chimera. Then it would become an elite dedicated transport so I technically wouldn't be able to slap troops in an elite transport..

am i over thinking this and going full derp?

You are correct in that Inq transports are all dedicated transports to the henchmen squads. If you wanted to put your vets in them then you would need to start out on foot and jump into the empty transport (have the henchmen stand around doing....something) turn 1.