I do tend to agree with you, though my recent browsing of tank armour specs has increased my respect for the amount of punishement some vehicles can take. The other huge factor is the training of the crew inside, and I would suspect that Western nations would still tend to have better training programmes than Russia, although they are picking up their act.
Interestingly I was viewing another military forum eariler today about the T-90 vs. contemporary Western tanks (it went for 48 pages! I only viewed the first four or five) and it turns out that while they're comparable the T-90 has some significant differences that reflect Russian tank strategy compared to Western. Firstly, it's not quite as well armoured; the Kontakt-5 is older-generation ERA, and it only has partial composite cover and a cast rather than welded turet and hull. While Kontakt-5 was capable of defeating any tank projectile in the world when first introduced, there have been multiple shells developed specifically to counter it, so it's not as good as several other types (though it should be noted that few if any Western contemporaries have ERA installed in a typical configuration, preferring Chobham or depleted Uranium armour instead). Russia could install Kaktus or Relikt, which are much more capable, but they prefer to mount them on their T-80/T80U/T-72BM older-generation tanks in order to maintain reasonable survivability chances on all their tanks rather than fielding a few much more expensive but capable vehicles and a lot of older, somewhat outdated vehicles.
The T-90 is actually a large evolutionary update of the T-72, and is considered something of a 'stop-gap' until they can finalise a design for the new-generation T-95 and Black Eagle tanks that no-one really knows anything about.
So, the T-90 would probably lose a 1-on-1 unless it could use all its fancy systems to its advantage, particularly the missiles which I see as being a very large advantage. But it is cheaper, deployed in larger numbers, it's diesel engine is better for cross-country than the gas turbines of the M1 series or T-80 series, and has a few cards up its sleeve, so I'd probably still vote for it as being the better out of it, the M1A2, the Leopard 2A6 and the Challenger 2 in a warfare scenario as opposed to a 1-on-1.
Edit: Regarding the Shtora, as I said it, I know it blinds the missiles and triggers their detonators too early rather being like the Paladin's PDL from Generals and actively killing them by melting. It also incorporates infra-red jammers for IR-homing missiles, laser warning recievers and elecronically-triggered aerosol mortars that fire to hide the tank from view if it's being targeted. Laser hard-kill systems are still a long way off, as they haven't even been able to build MTHEL or Talon yet, which are battlefield-scale, let alone mount something similar on a tank.
Edited by CommanderJB, 23 May 2008 - 03:33.