Kevin why not go read about 2006 as this was the documented period where squads were loaded. From memory not rereading so appologies if wrong.
First tank goes bang doing regular patrol work, parks up & deploys troops in the same few spots most days
The charge through the valley into the ATGM ambush also had troops on board.
These mistakes will not be repeated in a hurry & yes the tactic of troops on board was only a small part of the problem. Poor use of intel & shall we say overconfidence played a bigger factor while the Hez had been planing for months.
Will they ever use them as IFVs again or perhaps is this what is making them think sticking a GL or gun on the Namer is a good idea.
Perhaps Israels problem was they could not use the tanks as they wish because the APCs cant keep up so carrying some infantry seemed a good idea.