Quote: (scarik @ 01 Aug. 2008, 16:44 )
That's not a very interesting choice, inside a chimera a single AT hit means the Chimera's 5+ is all that stands between 2 IG stands with a 6+.
Outside they get the 'in cover' -1 and it would take at least 3 hits to kill them all.
And in a Mechanized formation its better to lose more infantry than to lose too many transports.
Scarik: There are several situations where it can make sense.
Most units are considerably better at AP fire than AT and many formations are optimized when firing at a mixed inf/AV formation (like Tbolts with one shot each AP, AT, and AP/AT). In a lot of cases it's 2x the amount of firepower. You don't get a cover save for touching a vehicle, so you're facing more AP hits which autokill the infantry, or fewer AT-only shots which the infantry might survive even if the transport dies.
You also seem to be assuming that the transports won't ever be in cover. It's entirely possible to have vehicles in cover via "hull down" positions so they are also getting the to-hit mod without having to face a terrain check. Most commonly in our games, that happens when a formation is trying to hide behind terrain but can't quite all fit so some of them are partially exposed. Without the "extra" -1 to hit mod for infantry in cover versus a vehicle in the open, the ratio of total damage sustained while loaded versus unloaded changes significantly.
Another situation is barrage weapons. Drop a barrage on unloaded troops using a vehicle for cover and it's 3x the number of attacks as a loaded transport.