Heck, I use no armor except bulge. Not even bulk. Engies aren't up to lvl yet, so my max speed is 34 OH with AA on.
Monty usually doesn't 1-shot me, and I'm not at 900 SD yet! No deck, no nothing. I am occasionally 1-shot by a lucky salvo where every shell hits, but it's rarer than you think. And with a 3-gun setup and LHE you can 2-shot a monty with full SD at max angle. Reload on yammy isn't slower than that of the Monty, at least not for me (yellow bve gunners).
Again, the trick is knowing where you're at and picking your targets and course appropriately. Don't rush, and let them come to you, it gives YOU the advantage.
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