It's an interesting debate, but you need to be careful about "instant" fire and detonations.
Take a look at British tank losses and crew casualties in Normandy. The average was 1-2 crewmen "permanently lost" for each tank destroyed, which rather ruins the idea of "instant" detonations.
Well, like I said, on the western front German tank crews observed pretty much just flame ups from struck Allied tanks, and very rarely explosions. It was apparently a very different deal on the eastern front though, where the mention of enemy tanks exploding immediately after having been hit are common.
All the accounts I've read of crew bailing out indicates there are a few seconds between impact and destruction. The same applies to the Russian experiences I've read.
Well, obviously, if you read the experience of crews who had time to bail out then that's what you're going to hear. Problem is that the poor chaps who's tank blew to pieces within just a few seconds of having been hit never got the chance to tell their story
The implication is that it takes a second or two to ignite ammo stores, which will then result in either the HE warheads exploding (resulting in flying turrets etc) or the propellant igniting in AP rounds (resulting in those monster jets of flame, as in the famous Panther in Cologne). Propellant burns, HE, well, explodes
No objection there, all well and true, except if the tank in question gets hit by a round with an effective bursting charge, then the time it takes from the hit to the ignition of the internal stores obviously goes down dramatically.
Also let's not forget the deadly effects of overpressure a bursting charge will inflict if it goes off inside the confined space of a tank, where the opening or closing of hatches suddenly becomes a large factor. Heck the effects were severe enough in a buttoned up tank hit by solid shots without any form of bursting charge.
In terms of your own observations (Unus) - be careful about comparing the visibility of modern (long rod) rounds, where the penetrator ablates and generates huge amounts of heat as it penetrates, in comparison to older AP rounds, which most often penetrated by plugging. The latter may cause a flash of sparks, but nothing like the heat of a modern round ablating...
AFAIK ablation occurs right down to velocities of around 300 m/s, so I'd still expect a bright flash, maybe not as bright as with the modern APFSDS-T rounds, but still bright enough to be easily observed. Apart from this I remember reading that a small cloud of "smoke/dust" appeared after a hit - could be a mixture of metal & dust particles, the bursting charge going off, or tracer remains etc etc.