The so called schurzen should give only sufficient protection to anti tank rifles and shaped charges. If there is really something that ads the schurzen to the tank armor when you shot it with shells then its pretty wrong as they are so thin that they should not have any real relevance. Particularly on the Panzer IV H as if I remember correctly got more or less just a mesh with some very thin sheet over it so shaped charges would fail to penetrate the armor cause of premature explosion which would cause the jet stream of the charge to loose a lot of its effectivness. So as said it should have realisticaly no effect on anti tank shells. That would be like claiming a thin sheet of paper might cause a bullet to richochet if the distance is big enough.
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