Must be me but... I actually hate ATGMs on tanks. I mean, unless the guy is sitting in range doing nothing, I'd rather turn it off and fire some big and reliable shells at him.
Personnally, I think ATGM are more a defensive weapon than an offensive one. I tend to desactivate them when I don't need missiles because they have the tendency to use supplies really fast.
And about the T-72B, I agree that it's too costy. At this price, the T-62 and the T-64 lines are far better. But, personnally, I think that the T-62MV is too powerful for it's cost. It has better firepower and accuracy than the T-64 and I don't understand why since they are mostly contemporary versions. Or the stats are overpowered, or it's cost is too low.