From OLtos:
OK well the "...for sake of game play..." comment answers all. When I first started playing AH HVAR would kill tanks. Now they don't. Some research showed me that the HVAR is essentially a 5" HE naval round on the end of a rocket. That's a 35 pound charge and the paper I read said it would penetrate nearly two inches of armor. More than enough to kill a tank with a more or less top down hit. The idea that they have to "bounce off" is just another "game play" thang. Weird, to my mind silly, (no I won't argue it), and about as silly as being able to jump around the positions of a tank. It's a game play thing I get it. I don't have to like it. But a 35 pound HE round dropping on the upper armor of a tank, with rocket velocities, should do something besides bounce. Even an M1 Abrams does not have 2 inches on the top of the turret. I do recall several accounts of the Italian campaign of destroyers used their 5" guns to pop tigers on coastal roads.
Now, however, that begs the historical question, ( of absolutely NO import just a curiosity ), of why not use a 5 " naval AP round on a rocket to kill armor. Was there no such critter made in WWII? And, if not, why can't we pilots have a "... for the sake of game play..." thang like the tankers do? ( just a question really not even a wish ).
Oh, yeah, the part where I took damage from "splash". I ruled that out because I had to work so hard to aim the ricochet to hit me. The ten foot range just made that easier. I actually noticed it further out, but could not duplicate it easily. The ricochet actually needed to hit me directly, or so it seemed.
Up above here some one noted that bouncing rounds off the ground into the belly of tanks should work. It does seem far fetched, but where this idea comes from is an interview on the Military Channel in an episode of Wings where a P47 driver described killing tanks, ( I do not recall that he specified Tigers ), by using his 50 cals in this manner. One interview from one guy, often repeated on many different shows. I would love to think it could work, but he may have been exaggerating a bit, ( i.e. war stories begin with "no toejam there I was" and fairy tales begin "once upon a time" ).
In the end the change from some functionality to NONE vs hvy armor for the sake of "game play" strikes me the wrong way. I largely don't play GVs because the "No toejam there I was" aspect of that part of Aces High is just through the roof.
Thanks for the responses! REALLY thanks.

I never knew the reason for the change and that more than the change itself was annoying. I am happy to consider this closed. Thanks again.
regards
OLtos