I always have HE in my load outs, jeeps, Osti, wirbs,m-8s, m3s , lvt's all die easily from HE
, how many times have you fired all your AP rounds in a tank fight? Unless you're getting 30 + kills from 60 rounds of ammo you need to carry HE,,, I almost always run out of HE before AP, in the M-4/75 I carry more HE than AP to start with, it won't survive a tank fight long enough to fire all the AP, and it's HE will kill panzers from the side and anything lighter from any angle.