Another point you bring up that I want to address is why I am bitching about 3AD specifically. That is because 3AD will the America's ONLY armored division in this game. 12th SS isn't even the heaviest armor the Germans will get. What that means is that US armor will be basically useless when going up against any German armor divisions (of which there will be 4). I just don't want this game to play out like some strange mirror world where Polish and Free French divisions do 90% of the heavy lifting in matches due to the severely gimped American force. I want all of the divisions to be more or less viable and as of right now I don't see the American 3rd Armored having any real place in the released lineup.
12th SS is probably the most well-equipped Panzer division, or maybe equal with Panzer Lehr. 21st Panzer has S35s, Panzer IVs, and King Tigers. 116th Panzer is in an odd situation, as its Panthers didn't arrive until July, and were actually a battalion from another division. I expect they'll have less access to Panthers(or maybe none at all for Flavor), but thanks to their requistioning of Panzer IIIs(75mm short and 50mm long guns) and early Panzer IV models(Short 75mm) on the way to the front, will have better Phase A armor than 12th SS.