LT is pretty important in most games to prevent OKW overwelming you with infantry, M20 is pretty meh but the 50 cal and AA HT are both very good units. Can’t also has good units and I agree capt is pretty solid in team games especially if you go Airborne. But the AA HT is currently very powerful.
you really don't need LT, you can hold out until shermans or just get BARs and focus down squads, pack howie will pay itself very fast, stuart is also okay if the opponent is spread out.
AAHT will die pretty easy to good raketen players not worth the 60 fuel IMO, not to mention the thing is awful at killing making your opponent float tons of manpower.
The main thing I tend to witness with USF and their ATGs is that they're usually late and often alone. All those rifles and officers demand that manpower.
And so does the Brummbar.
ATG is not late, they are cheap and captain can speed it up. Also, if you are fighting brumms with ATGs you are doing it wrong.