Something to think about as well, when considering the Team Tank vs Solo Tank plan of action, is what the particular map and situation calls for.
Case in point: Leningrad- on this map the action is SO close and SO fast for tankers you simply don't have TIME to waste on trying to run a solo tank; you'll never reload in time and you'll never be able to MG all that infantry ten feet away from you. You really have to go with a minimum of two per tank, or for the Germans three is better since they're the ones doing the advancing; granted, a kill downs three crewmen in that case but the effectiveness of that tank while it's operational is unmeasurable (assuming the crew knows what it is doing, of course).
Case in point: Orel- you can go either way, TT or solo, on this map; in the fields the sight distances are so great you can afford to use Tigers as they were intended (essentially armored gun platforms) and take them out solo, assuming you've got at least one or two extra sets of eyes watching for fast movers (T-34's, Clown Cars). On the other hand, a TT crewed Pz4- while not the greatest tank on the map- has an excellent chance of survival if they stay on the move and the gunner can lay his sights quickly from a short halt. The same applies to Pz3's as well; if crewed decently they can really do some damage. For the Rus side, IMHO T-34's do best when TT crewed- their speed needs to be taken advantage of, but if a solo tanker has to stop to reload that advantage is completely negated.
All in all, it does boil down to what's needed at the time: If you're on Arad and need a cap zone or two and it's within ten minutes of time being up, go ahead and take out tanks and halftracks solo- if you've got enough cover, load up the halftracks or UC's with infantry and tanless tankers and get bodies into the cap zones. A TT crewed tank is a luxury at that point when you may not need to husband your reinforcements. If you're on Ogledow, you really NEED a TT crewed tank throughout just because the action is so close and fast.
Your Mileage May Vary