*Gaurds
But yeah, it's either change the halftrack to something similar but more interesting (and since it is a Lend lease doctrine, any allied vehicle could do) or make the guards pay munitions for the thompson upgrade.
I mean on paper the M5 + ass guard has a very good price, the problem is that the M5 is not that interesting (maybe 1-2, one for AA and one for reinforcement, but any more than that is a waste).
My suggestion would be replace m5 with m3. Allow units to build separately from HQ after T4.
Same would go for Ostheer HT where passenger could replaced by "new" like "repair support pioneers" (where available with heavy armor doctrine) "urban assault panzer grenadiers" (redesigned/balanced)