I'm sure you can analyse this much better, but based on my own experience, this is what I expect:
What is the chance of hitting a target (depending on target type, distance, unit experience)? At what distance can I engage a tank and reasonably hope to succeed?
For Panzerschreck: 180m. For bazooka M9A1: 150m The other bazooka: 120m. All approximate values based on an unsuppressed regular +0 AT team. These ranges do not guarantee a hit, but the chance is so good that I would probably take the shot.
Should I prefer having fewer but more experienced AT units to having a bigger number of less experienced ones?
I usually play with the house rule that all troops be regular +0, so that removes my need to think about such things and frees more brainpower to think about tactics
However the question is valid of course. I would say it's better with more less experienced teams. The main advantage of AT teams is that your opponent doesn't know where they are. The more incoming bazooka rounds he sees, the more careful he will be with his AFVs.
How effectively are AFVs protected - the effect of armor skirts or simply thick armor. Are some vehicles so well protected from certain angles that I shouldn't engage? King Tiger from the front? StuG or Pz IV from the sides?
Panthers shrug off bazookas on the front glacis but are vulnerable on the turret. Tiger IIs are pretty much invulnerable to bazookas from the front, but I think you can knock out the gun. Regular Tigers I don't know.. they appear so rarely in scenarios that I don't have enough experience with them VS bazookas. Armour skirts do protect against bazooka hits in this game, but it might depend on the exact angle of impact. I've seen several PZIV survive hits on the skirts.
Are those sandbags and spare wheels on U.S. tanks good for anything or just eye candy?
I'm quite sure they are just for show. But of course I'd love to be proved wrong. If skirts help against hollow charges, then a sandbag should, too. I also don't think spare track links on turrets offer any extra protection unfortunately.
Is there a difference between a trained antitank soldier vs a "regular squaddie" who picks up the launcher - like we found with gunners that there isn't?
Until you did that test of the gunners, I just assumed that of course gunners must be better gunners than average troops. But now I don't know. I could imagine that the same goes with AT gunners. Just a word on the screen with no mechanics behind the curtain.