Soviet tank crew survival.

[Marcello]

"By the way, all Leopard 2Ax tanks have front hull ammo storage... "

Yes but I suspect, judging from some drawings, that hull ammo storage offers substantially more protection against splinters and such than the racks on the M60.I will have to see if I can find some pictures of the area.

"Ok, but there is 50% propability that front hull penetrating hit will not hit ammo, same for turret, but volume of T-72 is so small that any penetrating hit will get to autoloader..."

If you look at a cutaway drawing of the T-72, you will see that the autoloader is not exactly that huge compared to the rest of the tank.A round can penetrate the turret and most of the upper glacis plate and it will miss it.The autoloader itself appears to be fully enclosed providing at least some protection against splinters and such.
I suspect that the reserve ammo racks in the turret and elsewhere are the main problem, but that is the same for any tank of the period.Greater volume might help, but I would not make too much of it.