I played chance encounter the x-th time in a row now and I can't say that those Shermans don't hit anything. I lost all my stugs in my last 3 or 4 battles, all of them to the Shermans, zooks didn't hit or bounced off. The fire from the Shermans was quite accurate even at long ranges and the 2nd or 3rd shot took a stug out most of the time. The Stug III's always were one of my favourite units in SP, because they look cool, hit hard and are reasonably armored but at the moment my attitude is changing a bit. But well, perhaps it's just bad luck or stupidity on my part..