Why would one ever throw a flame nade (or a normal one) at an AT gun? If you in grenade range and the at gun is unsupported, it's going to die or run away soon enough anyways. Are you actually using such an obscure and rare event as evidence for the flame nades overpowered-ness vs normal nades? Btw if one throws a normal grenade properly, the gun shield does nothing anyways.
Are you trying to say because the unit still has 3 kar98s, the squad is good at all ranges? What definition of good are you using? Kar98s long range dps doesn't have anything on any allied weapon upgrade. You do know that Kar98s don't do that much damage right?
And I think you are seriously overestimating the risk of dropping a weapon vs the reward of having much higher dps. It's like saying shrekblobs were ok since there is the chance for the shrek to drop. WTF?
Also could you explain why you think volks are resilient to damage, I'm still confused about that one.
You asked for an example, I gave the first one that came to mind. If you were in range, why wouldn't you throw a flame nade at an AT gun and force it to move? That's why I pick on the flame nade - there's never a bad situation for one. It's better than a standard nade for most situations. Standard nades can be dodged and deny cover for all of a second or so while it detonates. Flame nades deny cover for much longer.
Since you mention shreckblobs - yes, having only one weapon that rarely dropped was a massive bloody factor in why that was so obnoxious. Panzergrens with 2 shrecks were much easier to deal with precisely because it cut the squad DPS and there was a risk of losing them. Thanks for the logical fallacy though.
Since you want to go into it, yes the volks only have 0.81 rec accuracy compared to ~0.77 for allied squads at max vet, making them ever so slightly easier to hit. I don't have the vet bonuses for every squad in the game memorized unfortunately, I have better things to do with my time. They still have 5 men with a reasonable rec accuracy. Equivalent squads either cost more (rifles, tommies), have less men (grens, tommies before upgrade) or lack upgrades (cons). It takes a reasonably significant investment to get allied squads close to what volks have in terms of kit (nades, AT snares, weapon unlocks).
To go back a bit, volks do not need half of this stuff because OKW has more than enough other options. They were designed to be complemented by sturmpios, kubels (when they suppressed) and later obersoldaten. Those haven't went away. If anything they've been complemented with the addition of the MG34.