Consider what all has to go into a tank to do the job it does. It’s a bit like a revolving home - connections! So if the mag is in the same flat plane area of the older Soviet designs, you have to come up with other ways to route the C&C functions, gun control, aim, shoot ability functions. None of those would be easy with a circular turret holding ammo. And IIRC, the whole 360 degrees around the bottom of the turret is an ammo locker.
We have all seen and love the pics of Israelis destroying Soviet tanks with one missile - rather spectacularly. Tended to cook-off the ammo and the whole turret went upwards. The ammo bunker on any tank is a rather sensitive area, so I would expect the Soviets to have up-armored the bunker. But that might make their other function controls more susceptible to enemy fire. Recollect Bradley’s only have the 25mm chain gun. They have TOW’s but those weren’t used in this engagement it seems. Your point about killing everyone with a turret hit is - maybe. A HEAT round makes a small hole in the armor and the molten metal from the shot sprays aroound the tank. Kind of like a small bomb. BUT the shrapnel has a vector, so the potential damage to crew can vary. HEP-T ammo figuratively splats onto the outside of the armor, then detonates and that causes the inner layer top spray around. BUT no hole in the tank. So probably more like dropping a grenade into an open cupola, though calibre of the firing gun does make a difference. Reactive armor does tend to prevent that. Even back in WWII days, tank crews were putting up barriers around the tank, intended to cause the detonator of a HEAT round to fire away from the direct side of the tank, thus minimizing the damage, since it was basically done by geometric concentration of the blast and detonating the shell outside of the optimum distance from the side of the armor tended to cause a non-damaging hit.
And to Gavin’s point, someone long ago said “quantity has it’s own quality.” It certainly was the basis of many Norko and Jap charges. We just got good at killing a LOT of people when we needed to.