As a newbie I have to agree with the original post. When armor start to be present on the field I go for anti tank infantary because the relative ease of use, the sheer power they have, ease of placement, ease of replacement, etc. I can only think making the damage itself done by HEAT being low, so that you can’t destroy with just a few hits, be enough to fix this.
This could be compensated with increase of criticals which represent a mobility kill or a firepower kill or a crew kill.
Then the crew could be killed by making them eject from the vehicle and then running an script responsible for eliminating the adequate number of models.