Challenger isn’t as bad as you are thinking it is. Top tier challenger 2s are quite good. Leclercs die to heat round even if it’s fired frontally.
Thermals should have realistic FOV and magnification, as IRL thermals are usually a dedicated sight with its own FOV and magnification, would basically nerf thermals as IRL they are usually worse than main day gun sight.
Would maybe even make people use their eyes and ears more.
But it needs even more info on tanks than.