In my recent reading regarding actual, real-life, WW2 gv battles, most tanks didn't blow up when hit unless the ammo was hit. Even the infamous Sherman "Ronson", hence the adaption of wet stowage in later models.
It would seem, in the case of American tanks, that typically a penetration caused one or two casualties and it became SOP, perhaps unofficially, to bail out just in case of ammunition fire. I have read of more than one case where the "disabled" tank was driven away by the enemy or remounted by it's crew and continued fighting.
Many American tanks, if not hit in the turret ring or burned out, were repaired and put back into action after being "destroyed".
I have always assumed, I believe correctly, that the hit sprites you see that do not outright destroy a tank are doing cumulative damage nevertheless. It still depends on the size of the round, velocity, and range.
wrongway