About auto loaders, there are many trade offs
Tank cooking off is not really auto loader related. WW2 tanks often cooked off when the armor is penetrated and I believe standard procedure for all tanks crew is to abandon tank when the armor is penetrated; which in many cases unless it is some prop youtube video cooking off doesn't happen immediately.
Blow out panels are also overrated, what good does blow out panels do when the tank is hit by a top down missile with a bursting charge? The APFSDS rounds have dominated tank combat nowadays and they do do less internal damage, but all you need is a grenade size explosive to kill everyone inside a confined tank and destroy the sensitive equipment inside rendering the tank useless.
The lerlec's auto loader is located in an armored box with a blow out panel, and it comes at a cost, it have 22 ready rounds in the auto loader, and 18 rounds in the hull - which could also cook off and blow the turret off; and this is at 55 tonnes. For comparison, the T90 carries 42 rounds, 22 in the armored autoloader, 20 in the hull armored bin at 47 tonnes.
Both tanks will cook off as ammo is in the hull, both tanks have similar protection level; maybe the T90 would edge out more because of it's proven ERA and APS systems
The issue of the T72 style auto loader is that, the length of the shell is limited (this is a question of how wide the tank can have as it is organized in a carousel). This is an issue for APFSDS as it limits the L/D ratio the penetator can have.
The other debate is always on rate of fire, especially since the autoloader need to return the gun to level for reloading - which is true for the T72 and the Lerlec as well. But it is really moot, ROF is sufficient, and who gets to shoot and hit the target first is more important, and that is not a function of a manual loader or an auto loader.