I do understand that there is importance in making sure that things are balanced, because the object is to have fun, and not make a war simulation...
But an anti-vehicular missile that hits someone in reinforced or less armor should vaporize that person. Can only stretch believable reality so far. Yes, it would mean that people using missiles could make 1-shot-kills...but they do this at the expense of an expensive and can't-carry-very-many piece of weaponry. Make AV weapons use some future version of shape charge warheads, so they have minimal splash damage, and that would make killing infantry with one require a direct hit, which should be pretty difficult. That would be decent balance.
__________________
|