[Charles22]

I don't know how you came about your figures, but my encyclopedia says you're wrong. The T35 1938 is 58pts, not 68. And that's based on 70 experience, not the game experience. With the game experience that tank is probably under 50pts! Also, the T34 1940 (which you didn't really list) is something like 56pts (maybe 58) at 70 experience!
A tank that no AFV gun in the world can destroy (excepting possibly a salvo shot) with a good gun itself (though not easy to target) is that cheap?

Part of the problem we have here, is that the encyclopedia cost and the game cost are different, but I haven't the faintest notion how you get your figures, unless you're playing with a super-experienced USSR. The encyclopedia prices for early German equipment, for example, will actually be slightly more expensive in the game, whereas the USSR equipment will be quite a bit cheaper in-game.