Miko,
You need to take a lesson of spalling and concussion with AP rounds.
AP round going through an APC, would do some bad thing inside the tank, regardless of it going through or not.
the armour does not just dissapear to thin air from the area of penetration, nor does the air inside just be calm as ever..
In such a confined space as APC, theres little space to miss with the effects of AP round going through side to side.
Also, in a fight, wounded crew member is pretty much same as dead, maybe even worse, when you just cannot note him off as dead, but as someone screaming down your ear and in need of immediate first aid.