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Remember its only a 3 man crew but , the tank has a survival # of 4.
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AFAIK no relation, survivability is more the amount of damage (*) the tank can take before blowing up at all, as Don and Andy explained. There is also some link to crew survival apparently, but not that direct.
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Ammo explodes on impact and other bad design features of most Russian tanks leads me to the question, "Who would want to be in one of these things?"
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Guys who have no choice!
Besides, Russian tanks of the post-T64 generation arent lined with powder bags and jerrycans forasmuch. If you look at pictures from ODS you will see many destroyed T-72s that actually didn't blow up on the first shot. That gives the crew a chance to escape, whatever your field evidence says (remember that ODS was one succesful operation, particularly the parts talked about, and that you may not be that lucky in the game). F.e. a shot through the turret will likely kill both commander and gunner, leave the autoloader intact (small chance that the loaded breech is hit and explodes though), and the driver's top priority will be to open his hatch and run like hell.