In my opinion a rammer and vent are basic needs for most tanks and TD's. And the verticle stab or coated optics depending on you play style. I have never timed the Lowes reload, but the rammer does help.
You would think that on a tank you paid out cash for you would have a better reload time. Buts thats not the case. If you run into a KV-5 in a battle and fire at each other at the same time. THe KV-5 will have a better reload time than the Lowe.
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