Thing is, those panels aren’t really a “get out of jail free” card in that way. And even when they work as intended, an ammo compartment hit is still an extremely violent event. If the hit that makes the magazine cook off also somehow compromises the bulkhead between the bustle and the fighting compartment, it may still injure or kill the crew in the turret, if not the driver as well.
(snip)
After the event, the tank should be salvageable. It may even be 100% operational, apart from having no magazine, and able to withdraw on its own tracks.
I’d consider introducing a die roll that determines a scale of possible outcomes, from the RAW at one end, to magazine destroyed and needs to be repaired but no other effects whatsoever at the other.
Very true, the ammunition compartment cook off event in effect it suppresses the crew while the ammunition cooks off.
https://www.youtube.com/watch?v=CP8JiqItigE of a Iraqi M1A1 ammo cook-off event
M1 testing on YouTube
https://www.youtube.com/watch?v=yG0zpGCLaVQ&t=375s
When you wrote;
Another issue is that the ammo compartment door is a bit of a hassle. Some crews (or loaders) elect to leave it open to save time in loading. A hit can also occur during those precise few seconds when the loader has the door open to collect a round. Also, with the conditions later in the war, the mechanism may even have become jammed, and the door can’t be closed. And if the door is open when the ammo goes, then the panels do no good whatsoever; the crew is just as dead anyway.
The event of an antitank munition striking the tank at the exact moment the ammo door is open is incredibly small. Really small.
On the mechanism still working after four years of war, well that is another matter. Lets take the M1 ammo door. The Operation of the door is electrically actuated and hydraulically operated by basically a piston. To access the ammunition in the semi-ready rack you must turn off the electrical actuators by turning off the circuit breaker, rotate the manual lock on the Ready rack (the main gun storage of tank ammunition the loader gets the ammo from. Then unlock the manual door and open it. It is very heavy and can be a bear to move if you are on an incline. Once you have the semi-ready door open you can pull rounds out and place them in your lap and then close the semi-ready, lock it and open the ready rack and take those rounds and put them away. I had to do this in Desert Storm (showing my age).
In T2K world where parts are not readily available before 2000 (game start) and the hydraulic actuator or electrical circuit is broken, I would think the crew would have a handle welded on the ready rack ammo door to open it and use the manual lock to keep it closed. If the crew gets lazy or the tank is on an incline and it is hard to close the door, then you are correct, the door is open and the ammo cook-off kills the crew. Sorry folks, even the driver.
So remember that tank commander in 'Fury' when his tank was hit and started burning and he came out and shot himself in the head. Yep, that is likely what will happen if you somehow survived. Even with Nomex fire resistant coveralls.
Anyway, I hope this helps in a small way.
Regards
Muns
At Tank gunnery, the Tank crews the target is not big enough, to the Commander the target is to wrong size, to the Master Gunner the target is twice as big as TC 25-8 standard.