Including the sidetech, an AEC will ring you up for 75 fuel while a puma is only 70. Yet the puma is superior across the board stat wise with exception of armor. Does that mean the AEC isn't cost effective? Does that mean the AEC should have its cost reduced or its stats buffed? I would hope you'd say no.
The T-34 is statwise inferior across the board to the panzer 4 but thats separate from whether or not the tank is worth 90 fuel. It's combined anti tank and anti infantry are not worth less then 90 fuel. They used to be 80, but it was found they were too cost effective.
The t34 is cost effective indeed. it wont be if you take away ram with nothing to show for it.
Its price is not only about its ai or at. Ram is also part of that price. you cant just take that away without compensating it somewhere else. putting requirements on a suicide abilitie is the same as taking it away. it will see next to no use.
even if you get it to vet 2 or vet 3 it still gets destroyed with ease even in mere seconds if unlucky. its to flimsy and lacking in at to be viable in the late game on its own.
Its only viable use is to mass them and use 1 out the 3 you have to ram the target and have the other 2 or a off map finish the target. the off map is just supiroir because the other 2 t34's also wont survive mostly and might not be able to finish the target before they get destroyed or forced off.