Half squad with a demo and a half squad with FT in the same hex or adjacent hexes ( in a perfect world) ? I think two half squads with that much capabilities is too tempting a target not to draw maximum fires.
I get the following uses for a Demo Charge:
1. Bullet magnet so I can attack elsewhere
2. Set charge to suprise the Attacker
3. Have a half squad or a low rated leader 'move out and draw fire'
4. AFV destroyer
5. Hope #3 gets lucky and can survive all kinds of fire and destroy the...