The difference between the Churchill and the other heavies is that the other heavies need specific commanders, while the Churchill is a stock unit. Croc comes close since it’s on so many commanders, but it’s still a commander unit,
Since the churchill is a stock unit there is no argument for Elephants/Jagdtigers whatsoever. The axis player should under no circumstances be forced into a commander pick solution to counter a stock unit.
Bad design but that is the reality for an entire army like Soviets.