Most of the ammo is still in the hull for NATO tanks except for the M1 Abrams. This is partially why Germans are investing a lot in insensitive propellants and explosives. The DM-73's propellant is seriously impressive with its total insensitivity to even shaped charge jets for example. The biggest problem for Russian tanks is that they store ammo all over the place. Which makes it hard to
not hit them.
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This is really bad. The only worse one is likely the Challenger 2. With the recent T-90s, they tidied it up a bit, even moving some to a blow-off compartment in the bustle.
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But it is still not optimal. I would not want any ammo in the fighting compartment if possible. Only the Abrams and the Type-15 can fit that requirement as of 2023. I think the time to replace the Type-99A has come.
IMO Abrams is a very good tank with the exceptions of its weight and fuel consumption. However I still find it funny how Americans on the internet were defending its every design feature like a religion and then we learned it will become a tank with an unmanned turret, autoloader, and a diesel engine. Most religiously defended features were discarded by the US Army.