And in Post 1900 its usual to offer up a plausible POD; especially in a case like this where you have a sudden and radical departure from OTL and the expenditure of extra resources without any reasonable basis for doing so. So far your suggestions seem tenuous at best.
No it's not. Dozens of Post-1900 threads don't have plausible PODs. Some hugely popular. If we follow the tone of your comments there is no reason to have AH.com because history could have only gone the way it did. Having a person or group of people make a different decision isn't asking too much. All that's required is no aliens, magic, or geological changes. I see none of those yet.
There is no reason the Germans could not decided to focus production on a single tank hull design. Just like we saw with the Soviets who loved a mix of light tanks and heavy tanks in the pre-war years then switch to focus on the T-34 actually being in a war can change priorities.
I would image if the Germans did focus on the Panzer IV design it would have been built in two different versions before the invasion of the USSR. One a anti-tank armed with the gun from the old Panzer III and other an infantry support model armed with that short barreled gun. The Germans didn't have the doctrine for a MBT at that time so its IMO unlikely they focus on a single version.