Seems likely TWI wanted to include the HHL because of the tank attack scene in Stalingrad (which, to their credit, is exactly how I imagined anti-tank classes should be in RO2), but then wanted to make it balance out the RPG-40... which obviously breaks the HHL. Perhaps if the HHL was made to be more powerful it would justify the risk of getting right up next to the tank, or allow German engineers able to choose between a Geballte Ladung or an HHL by personal preference.
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