Designers know better than your premature conclusion.
Not allways, especially in Russia. Besides this explain how with such huge ERA plates You want not to obscure vision from the gunner and TC sights? Did You ever thinked about such things like ergonomics, user friendly design? Probably not, as it is typical from where You are that such important factors are ignored, and many more.
Reactive armour is interesting. All that great plate surface moves and incides against projectile. Upper part contains less amount of explosive material, but there is additional plate which moves backwards giving anti-tandem properties and increased damage to APFSDS. Lower part contains a bigger amount of explosive which moves bigger, heavier plate with more energy. Defeat of tandem warheads and of segmented penetrators is realised by large plate projection.
But this is not practical, I ask again how do You want to do this practucal without obscuring the vision of the crew sitting in turret?
You can't just place sights higher as this makes them more vurnable to enemy fire and mechanical damage during manouvering in difficult terrain, sights might hit the tree, or something else.
There are so many issues, but You seems to be so happy with this bizzare design, without seeing it's weak points, this makes You nothing more than a fanboy.
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http://www.benning.army.mil/armor/content/pdf/IDR 10 Sept 2012.pdf
Interesting read, especially fragment about Afghanistan, where were 19 IED attacks on USMC M1A1's, these M1A1's are after FEP upgrade and have some of the TUSK components like the belly addon armor that is increasing protection against mines and IED's. The document says that from these 19 attacks only 2 attacks done more serious damage, so vehicles needed higher echelon maintnance work, work was performed in Afghanistan and vehicle were put back in to service. As well as there was only one crewmen WIA by a shrapnel that hit his hand that was outside a vehicle.
Seems that TUSK is a very successfull design, increasing M1's survivability.