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So "1" at the side would be the right way to go, with 2-3 for the turret and front.
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Fine by me, and quite close from the existing anyway!
Now how about the HEAT armour? If I have understood anything to the armour rules, HEAT armour is nought or equal to the steel rating, except for applique armor. And even the BMP-2 has no HEAT armor.
Maybe reduce survivability too? I have no report about special weaknesses on the PT-76 like on the BMPs and tanks (T-64 onwards). But 2 would be really low.