Go and try to kill a 232 with a zook and tell me how it works for you lol. Its a PITA with all those angles.
Don't forget you might see the rocket explode while looking at someone else shoot, but only the shooter sees the real effect of his shot. You might still see an explosion even when the shooter actually missed.
Also I wouldn't really use anecdotes from the last 2-3 years or so, since there was quite a few nasty bugs/unstabilities recently that may explain some of the weird situations you guys describe. We had/have (seen it relatively recently when I played my F2P) the unkillable EI bug, so I bet there was at least some occurrence of the same bug with tanks... Same with the offset bug a little while back.
But for long years it was quite stable.