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I guess that's a problem if the enemy is expecting it. But ironically against the 500 point heavy MBTs available later on, swarms become more effective. If you engage at 1000 meters and lose five tanks charging in, the last two can close for the kill.
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So based on what you just said they are well balanced cost wise then.
Andy stated at 70 morale they cost 100 points & you just said would lose 5 swarming a 500 point tank.
Of course if you were going to use the gamey tactic of swarming you would have bought loads of the cheapest armored cars you could plus perhaps some cheap fast APCs as cannon fodder. Armored cars are faster so get there quicker & so long as they can kill with a rear shot job done.
Of course swarming vs a human is way harder all he has to do is place a few cheap infantry to protect it.
Given the choice baring terrain where tanks shouldnt be as in tight spaces & short engagement ranges only if I wanted a challenge would I pick 60 T-55s vs 10 decent tanks & a few supporting infantry.
Your example by the way 1000m (20 hexes) thats at least 2 turns to cover the ground if the other tanks stop which would be logical given they are better off engaging at range or even start reversing. Thats at least 3 rounds of fire - opfire own turn opfire now possibly in range, I would expect far more than 5 smoking tanks at those ranges.
If your talking vs tanks I cant destroy from the front I would prefer to pay for something with decent fire control so when I launch my flanking move there is a reasonable chance of scoring a hit & success, possibly even doing so undetected if you do it right especially vs a low experience or fast moving side.