It’s not about “getting” or “having”. “Having” a tank in your garage does not provide you with an advantage. It’s about consistently “using” it.
Have you ever driven a fully decked out M4 with all gold rounds, gold consumables, etc.? We did for one of the tier 5 tournaments, it kills EVERYTHING. In random tier 5-6 fights, it one shots 3/4 of the enemy team. And two shots the remaining tanks (IIRC it takes only about 8 seconds to make those 2 shots btw). It’s not unkillable by any means but being able to one shot most of your enemies is a HUGE advantage. And it’s an advantage you have to pay real money for.
Yes, you can get this kind of tank without paying and keep it in your garage but YOU WILL NOT BE ABLE TO USE IT. Well, maybe once a day. And twice on holidays. :)
Being able to drive that tank 100% of the time is overpowered and feels like cheating. Being able to drive that kind of tank 100% of the time is NOT achievable without paying. Hence “pay to win”.
The same applies to a bunch of tanks. T69’s (one of the newest tanks, US tier 8 medium) top gun has penetration 173 mm. That’s the worst penetration in the tier. It’s worse than some tier 7 tanks. Driving with that is an exercise in frustration and getting 170K exp with it to get the next tank is awful. At the same time, a gold round on the same gun has 300 mm penetration. That’s the biggest difference between the regular and gold round in the game among all tanks (BTW, ask yourself why the devs did this). And, of course, with that kind of penetration, it’s a completely different game. There is no way in hell you will be able to drive the T69 with gold rounds only without paying real money.
Does T69 with gold rounds has an advantage over “regular” T69? HUGE. It’s not about who will level up faster, that’s the poor guy’s talk. It’s about more pew-pew every fight and making a real difference during the fights. And one has to pay to get this kind of advantage, hence “pay-to-win”.
Now combine the above. Then add some more tanks that perform MUCH better with gold rounds, which is all of them really but some perform exceptionally better, like the ones I mentioned above or E100, for example. Top level arty is a completely different beast with gold ammo, good player can win matches with it and it will absolutely drive you into the ground financially if you don’t pay.
Ask yourself, why one of the newest tanks - the FV215b(183) - does 1150 damage with regular rounds (in line with some other tanks) and 1750 damage with gold rounds (IIRC the highest damage in the game). IIRC this is the only tank in the game that does more damage with gold rounds, usually only penetration increases.
A paying customer can have a stable of overpowered tanks (“overpowered” when compared to their “regular” peers that use no gold ammo and consumables), switch from one to the next and play them all the time and have that huge advantage all the time. Running a farm like that will cost you hundreds of thousands credits a day and the only way to afford it is to pay real money.
Hence “pay to win”.
Lol, I am surprised I wrote this much about this mostly moot topic. I usually don’t engage into prolonged debates. :)