I think JR is correct that you're not going to find a "correct" answer from either the RB or us Forumites. So definitely write to Perry on this.
But until the "official" answer appears, I would conclude (and prefer) that D3.42
always applies:
D3.42 The inherent crew of a vehicle always has the same Morale Level as any Armor Leader in that vehicle. Should the Armor Leader pass/fail his MC/TC, the crew passes/fails also; a separate MC/TC DR for each is never made.
Putting an 8-1 leader in a Tiger shouldn't be a way to cheat the OoB into giving you a 9-1 AL. The dude obviously isn't among the
crème de la crème, so the Tiger's crew should be penalized simply for having to put up with him.