The lack of side ERA is minimal issue that can be easily fixed but no package is currently in service or to be seen as far as we know, but this is mostly due to the terrain the tanks are thought to fight in as well as doctrine predicting long distance combat in the western plains.
Although as to regard to that T-64 hit statistics, it really shows why a lot of tanks have unusual design choices such as large lower plate weak spots.
Although with recent combat being in such unusual areas like Afghanistan we can see fault in designs like the CH2. Although that being said the lower plate has only been struck once in combat which did sadly injure the driver. [See Fig 1 for details.]
Now, we must not forget the past here when it comes to hit statistics for instance many cases of Survivorship bias during the 2nd WW, [See Fig 2 for Details.]
Striking a balance between upgrading and removing weak spots that are affected by current combat conditions is a very difficult and time consuming process which will bite China in the ass if they don't have any sort of Field Entry Standard. I'm sure we all know that no book no matter how thick, actually works in combat.
But we'll see if they actually do have anything but keeping it under wraps to trick opponents, but most likely they don't. I wouldn't be surprised if they just ignore the mistakes made in Insurgency combat since I’m yet to see a 99 with any reasonable mounting points on the side hull.
Fig 1;
View attachment 69889
Fig 2;
View attachment 69890