well, i noticed this a long time ago and i also saw other players talking about it:
in my opinion the splash damage of 37mm HE shells is pretty low (even lower then that of a grenade). you basically need to hit the ground in a radius of about 1.5 metres next to your target. this is pretty annoying when operating a stuart or greyhound. i can say that most of the kills those things do are done with the mgs.
an example is a game i had yesterday: it was lüttich, i was in the (center) village, a stuart saw me and came close, all i had to do was ducking behind a fence. the stuart then tried to kill me by hitting a wall that was about 3 metres away with HE-Shells to no effect, after that it hit the ground (also close to me) but couldnt do anything either and then had to drive away.
im not sure how realistic that is but it sure looks ridicolous sometimes, so my suggestion is to increase the splash damage of 37mm guns (especially on stuart and greyhound) to make their main guns at least a bit usefull. considering they get 1 shot anyways, and if its only a minor increase i think balance wont be thrown over.
your opinion?