Its amazing all of the non-naval hub-ub going on. So, might as well chime in...
This issue with the US should be looked at from a different vantage point. The template issue is a small factor. Maybe the US should be forced to go into North Africa and try to defend SE Asia with crappy templates. However, I think to compensate, USA needs to be able to earn LOTS of combat experience - perhaps more land XP for lend leasing (once at war though), this might help the USA get the proper amount of Army XP - they shouldn't be able to afford a full MOT, ARM, MAR, INF division templates (including all of those juicy support companies) by war start - this has to be earned the hard way.
However, other points about "trucks" and "motorization" which haven't been touched upon.
US Motorization was a GIGANTIC advantage. In no place in HOI do we see this affect a) supply and reinforcement throughput increases (I suppose you can say logistics company, but human players of any country often use logistics companies, and can somehow afford the fuel) b) increased efficiency from movement.
Regarding movement, its almost like the USA (or anyone else who can afford the oil) needs a "transport" support company, to be assigned a different type of truck, one that has neutral stats, its very cheap IC wise (these trucks will participate in battle due to game mechanics and get destroyed, but hardly ever participated in real battles), but requires A HUGE amount of fuel representing the large amount of trucks needed to move a division. It would give the division a modest speed boost. This is a bit "moddy" though - just thinking out loud.
Another idea, DRASTICALLY increase the fuel cost of logistics companies. One of the allies' largest advantages, logistics, is fairly neutralized because everyone can run logistics companies with little fuel cost if they want.
Or perhaps trucks in general should become cheaper IC wise, and use MUCH more fuel - 4 Trucks = 1 Light Tank, or 6 Trucks = 1 Medium Tank, 9 Trucks = 1 Heavy Tank is a bit ridiculous. The USA built 100k tanks during WW2, but over 2M trucks! By today's comparisons, Oshkosh MTV (today's Duce-and-a-half) costs $250k. M1 Abrams, $9M.
There should be a supply transfer efficiency modifier, per division, which logistics companies can use. And the axis should not be able to afford logistics companies like the allies should be able to do.