The T5 “Percutio” has 1000 HP and is disabled under 30% health. It has "Light Armor" resistance: it can soak small arms fire and shrapnel, and it is immune to Flamethrowers. But it won't last long when faced with 12.7mm machine guns, heavy explosives, or anti-tank weaponry. It has Tank Armor. With it, in best case scenario, penetrating projectiles only have a 85% chance of penetrating and doing damage. That chance goes up quickly if the armor is worn or if it is shot from up close, or on the side or rear from a direct angle, or with ammo that has penetration bonuses. It takes 95 Basic Materials to fully repair it from 1% to 100% health with a Hammer. Its health and Tank Armor can be instantly repaired at a Garage for 100 Basic Materials.
The T5 “Percutio”, like all wheeled armored cars, is a lightly armored car, but it is designed to combat enemy armored vehicles. In terms of mobility, it has decent off-road speed and relatively fast on-road speed, which gives it greater flexibility to where it can fight effectively. Along with its slow-turning turret, it is better to stay on roads so the crew can react faster if they're being flanked. Additionally, due to its low health, a single anti-tank mine will nearly destroy it.
Due to its decent off-road speed, it makes a good ambush and harassment vehicle, as its good general maneuverability on the battlefield makes flanking and gaining advantageous position is easier compared to other armored cars. Keep in mind, its still faster on-road than off-road, so road travel is better when trying to cover large distances.
AC Effectiveness over the Course of the War
Similar to all armored cars, as soon as heavier anti-armor weapons become more common, (such as anti-tank rifles) the T5 “Percutio” loses a lot of its relevance on the front line, as they will quickly be destroyed, as longer ranged weapons prevent the crew from reacting fast enough before being destroyed. However, due to its armament, it can be a formidable opponent when operated by a competent crew (though this depends on the 20mm penetrating).