Certain aspects of modelling the effect of an AT round hitting a tank are tractable if non-trivial problems. Penetration probability is a question of physics. The probability of causing a crew casualty one assumes can be derived or extrapolated from RL casualty statistics. What strikes me as very hard to model is the non-lethal effect (noise, concussion etc.) on the crew of sitting inside a steel container as a round slams around inside it.
In CMx1, in essence, a non-lethal (i.e. excluding a crew casualty or mechanical damage) penetrating round has no significant influence on the combat performance a tank. A very temporary raising of the alert status is all you usually see if anything. I may be in a minority here, but it has never felt right to see a tank receive a penetrating hit (or multiple hits) and continue to be able to shoot with no loss in accuracy or efficiency of its own fire.
So, I'm curious about how CM:BN addresses this issue if at all.
All the best.