I feel like yes the the crew should take minimal damage in a tank from HEAT rounds. However I do feel like the crew in an apc or ifv should be mostly dead as the armor in an apc is much less thick and the crew is less protected against such things. Again I know the damage is WIP. In my experience correct me if I'm wrong but HEAT rounds are generally used against apcs anyways, and yes I'm neglecting atgms which are more powerful. I don't however know how much damage atgm HEAT should do to the crew. Crew damage from atgm HEAT is generally done by an egnited ammo compartment so maybe atgms should do the damage to the crew as if they should be in an apc as ammo compartments are not simulated.