According to the manual:
"Certain modern weapons have a high degree of specialization as anti-tank weapons, but are not as effective against infantry targets. These weapons are flagged as having an increased lethality against vehicles and targets in Bunkers and Pillboxes. When used against such targets, the lethality of the weapon is doubled. This feature is indicated by an ampersand (&) after the Fire value."
The manual also states:
"Vehicle Only loads only affect Vehicle targets and Infantry targets in Bunkers and Pillboxes. Also Infantry targets in Caves owned by the same side as the target are affected. These loads represent armor piercing loads that have no explosive ability of their own and thus have no effect against infantry targets in the open. While you are allowed to fire against any target using these loads, they will not have any effect on restricted targets."
Very simply put, you'll want use AP rounds if the infantry is in a bunker or a pillbox, otherwise you'll want to use HE.
I don't have access at the moment to Africa at War, so I'm not sure the exact differences between the loads you mentioned:
105 APFSDS (Vehicle Only)
105 APFSDSDU (Vehicle Only)
105 HEAT
105 WP
105 Flcht
I would suggest opening up the Weapons Data dialog box and looking at the specifics. To do that, click on "Help" from the menu and then click on "Weapons Data". It is divided into three sections, which you will want to look at in reverse order. The last section called "Vehicle Data" contains information about the vehicles, including the friendly names of what weapons they might have (shown in parenthesis). The middle section called "Weapon Data" is sorted by the friendly name of the weapons (shown in parenthesis) and gives some cursory information about each of the weapons - but the main information you get from this section are the weapon loads, which are shown in the last column of this section. You take these names and look for them in the first section which is called "Weapon Data". And this is where you get the real meat and potatoes, as it tells the lethality, penetration, effective range, etc. for each weapon.
Speculating purely on the names, it sounds like you might want to use the first two loads against vehicles and against infantry in bunkers and pillboxes, the third load against infantry in fortified terrains which aren't bunkers or pillboxes, and then the fourth and fifth ones against infantry in all other terrain (depending upon if you wish to use up an illumination round and perhaps if they have favorable range/penetration/lethality/radius values).
Hth,
Rabbit
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