Why does slow reload only matter in a handful of cases? The FF does 200 damage so it still needs 4 shots to kill a P4 if it doesn't miss/bounce. Same as SU85 and Jackson. It's only at vet 3 that it can 3 shot a medium tank and then you still have the problem of penetration as it never gets any penetration bonus with vet. In my opinion, both the SU85 as well as the Jackson are WAY better than the Firefly.
That is specific only to the 640 hp vehicles-which can be cut down to a 2 shot anyway if combined with tulips. Against the stug (560) its a 3 shot while others need 4, against a vet 2 JP4 its 4 shot while others need 5, against panther its a 5 shot while others need 6.
Vet 3 further skews this as panthers will be 4 shot and 640 hp vehicles will now be 3 shot.
To look at it another way, assuming all shots penetrate a Jackson will take an average of 18.275 seconds to kill a stug, 24.575 seconds to kill a vet JP4 and 30.875 seconds to kill a panther. A firefly will take 16 seconds to kill a stug, 24 seconds to kill a JP4 and 32 seconds to kill a panther and this is assuming no tulips.