Very (too much ?) effective AT Rifles

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As I've already stressed, I think the problem isn't so much in the penetration power (even if it can be debated !)than in the damage dealt when penetrating.
If/when the ATR round penetrates the tank, a 7.92 shell without explosive power shouldn't make much more than occasional damage, even unarmored cars often withstand some bullets ...
Combat Mission models this quite satisfyingly, I remember a memorable game where my Russian ATRs sniped at ACs and holed them numerous times before it had any effect !