WP is incendiary and displaces oxygen
The hit from the WP round is going to set anything flamable aflame. WP generates a great deal of thick smoke and consumes the oxygen in immediete area, at the least, it will cause great confusion for the crew. I'd assume that an improvised monitor would likely have ammunition, fuel and other items that would catch fire. Secondary explosions from fuel and ammo may destroy the vehicle after several minutes.
The 82mm HE wll not penetrate any significant amount of armor but in a confined area, aboard a boat for example, the fragments and explosive concussion are going to be severe.
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