See inside, Mission setup with 1x M2 vs a BTR-K filled with civilians. Access civilians via teamswitch (u) after firing at the BTR-K to observe casualties.
Note that hits directly into the cargo compartement will not kill 3 out of 5 times, and if they kill, they will only affect one or at best two inside the compartement.
Further, almost always will the round be observed to overpenetrate and strike ground far behind the target.
An APFSDS round will not overpenetrate an armoured target because it -disintegrates into a nuclear ball of fire- inside the vehicle. Not only will a moving vehicle, 50 tons in weight and moving at 30 kph be brought to a -dead stop- when hit in the frontal arc for a microsecond by the hit, but its inside will also be ravaged by the blastwave, burning uranium/tungsten dust and shrapnel, and armour spalls and fragments blasting through the insides.
APFSDS penetrators will only overpenetrate a target with very little armor (for example, a BMP cargo compartement from the side, or a civilian vehicle.) but will not overpenetrate an armored vehicle like the BTR-K, lengthwise.
Why are there no distinct hitzones for ammo compartements, individual crewmembers, mission critical equipment, etc? {F21936} {F21937}