APCs receiving DF & BF?

[triangular_cube]

I think you have to go to the Combat Tables....
For both DF and BF and X will cause an M2 morale check on an open top AFV (APC included...)
and #X will cause a step loss on one......

M effects don't cause damage....
X effects cause M2 checks (vs. M for closed top)
#X forces open to lose a step.

3rd edition and up an X causes a step loss (potentially) to Open topped, not just M2. The #X forces you to take it there instead of soaking off against walking INF.