I have killed Panzers with the 9-T, but used nearly all of the 37mm load to do it. It is effective against thin skinned armor, such as the M8, m16 and M3. It will also take out a Flak Panzer with some persistance. The 37mm has good ballistics, so it's an ideal ride for killing swarms of M3s. However, like the 9U, the engine lasts about 2 minutes after a radiator hit.
Against aircraft, you need to be patient, but the reward is a single hit shootdown. WEP is useless above 4k and low-speed handling isn't very good (typical of Russian types, espacially Yaks). A skilled marksman can bring home 6-8 kills with the limited ammo load. Unskilled shooters (or impatient, for that matter) will be fortunate to get 2. Even more so than the 109s or 9U, the 9T will teach trigger control.
All in all, it is an effective, if not inspiring aircraft.
My regards,
Widewing