Not to sure about your first question. But a guess would be the risk of it foiling while rotating the turret. this would be far greater than the risk of a shell hitting that spot. Tank wheels were and still are covered in solid rubber. When you look at the real thing, you may well see chunks out of the rubber.
I can't speak directly for WW2 tanks, but I was a warrior driver for 6 years and I also trained as a gunner. When your in the vehicle with your headset on, engine running and you are busy doing your thing, you don't notice it to much. When we were on the static range, I would often have to sit in the drivers seat while they were firing the gun above my head, and I often fell asleep.
I am a Norfolk man and i glory in being so
On the bench: Airfix 1/72nd Harrier GR.3/Fujimi 1/72nd Ju 87D-3