Dynamically generated, menu driven content

First off, drupal is an awesome CMS and most definitely extensible beyond belief. I will do my best to describe the type of functionality that I require for my site. I expect to be using the Views module along with Taxonomy to orgainze the content. I want to have my user click on a menu category such as:

Main Menu
- Car
- Ford
- Mustang

When the user clicks on the final item in the sequence "Mustang" it would bring up a page which would contain "user reviews" and "articles" .
I would like to have a "user reviews" View which contains user submitted reviews for all car types; Ford Mustang, Chevy Camaro, Mitsubishi Eclipse, etc. I looked at the "Insert View" module and thought that I could pass arguments such as:

[view:user_car_reviews=1=Ford, Mustang]

It will bring up a node for "Ford" but not for "Mustang".

Do I need to "embed" the view as described here: http://drupal.org/node/48816
Any help will be greatly appreciated!