[Imp]

There is no disputing it can carry some passengers that much is obvious, unless you can find a better photo though Merk rear compartment is a tight space with 8 troops on board causing ammo to be stored against the rear hull.
The crew compartment is seperated from it by a wall with a doorway on the left (if facing tank front)
This arrangement looks therefore like it is not possible to use the storred ammo with passengers on board.
From a storage point of view does look more sensible than it sounds.
Rear hull has 2 large bustles attached with additional equipment in which will help defeat HEAT.
The ammo is as far away from the crew as possible & in a seperate compartment if fire fighting equipment needs to go off.
Any penetration in the dead space where the engine normaly is should be survivable by the tank with at worst some crew injury if internal wall spalls, several videos showing this.