I don't get people who like it there because its the most "crit padded". Sure, but its not like its Single Heat sinks padding the crit, its your gyro, engine, etc. and if it does hit the ammo...
It's opportunity cost.
Say you have one free ton of ammo and two free SHS, and you want to put 'em in the torso. You could put 1 HS per torso and a ton of ammo in the center, or put the ammo in a side torso and HS in the other two sides.
Without allocating anything, all torso crits, left right and center, go straight to the center and hit Engines 60% of the time and Gyros 40% of the time.
1st Engine hit, passive +5 heat generation. On a lot of 3025-era 'Mechs with 10ish heat sinks, this more than halves your firepower unless you either have one of the few 'Mechs that started off with a lot of heat sinks to begin with (Awesome), or your 'Mech didn't have anything in the way of meaningful firepower to begin with (Wasp). Otherwise you're mission-compromised. 2nd Engine hit, passive +10 heat generation. Unless you're something like Awesome, this is effectively a mission kill. 3rd hit is always a kill.
1st Gyro hit, +3 PSR penalty, auto-PSR on hit. Often (though not always) accompanied by other PSR-causing effects that turn such as taking 20+ damage, which causes another roll with the heavy penalty. Unless your pilot is excellent, chances are good that this hiccup turns into a mission kill, since a 'Mech that just fell (and has troubles getting back up) is going to be a VERY easy mark next turn. 2nd Gyro hit, +6 PSR penalty, auto-fall. Definite mission-kill.
Ammo explosion, your pilot takes damage and your 'Mech explodes. Basically doesn't matter where it's located, CT or arm, your 'Mech is dead, unless you have CASE or are lucky enough that you only have 1-2 shots in the bin on a very heavy 'Mech (which I think I've seen... twice.)
Heat sink crits, of course, are much more generous. You just lose a small amount of cooling. Not the end of the world, and makes a good crit sink.
So your choice of crit placements looks roughly like the following:
Ammo in side torso:
-1 Side torso is relatively safe on Crit (HS sink)
-1 Side torso results in mission-kill on Crit (ammo)
-CT results in combat-ineffective for most 'Mechs on 1st crit, near guaranteed mission-kill by 2nd-crit, with a small ~9% chance of the crit being sunk in a relatively harmless matter (HS sink)
Or Ammo in CT:
-2 Side torsos are relatively safe on Crit (HS sinks)
-CT results in combat-ineffective for most 'Mechs on 1st crit, near guaranteed mission-kill by 2nd-crit, with a small ~9% chance of the crit being a guaranteed mission-kill (ammo)
Of course, with a small number of 3025 designs, as well as DHS designs, the engine crits are not as crippling. But if you have that then you probably have CASE as well, so you can use that instead of CT stuffing ammo.
Otherwise there's a clear reason one may prefer CT ammo over side torso ammo: CT crits are already crippling, to the point that 1 will usually mission-compromise or mission-kill having 2 will almost always mission kill a 3025 era 'Mech, even before knowing where the crits actually hit. The cost of putting in yet another thing in the CT that can mission-kill the 'Mech is small, since that's not far off from the baseline assumption.
Putting ammo in a naked side torso however has a major opportunity cost: There is now two locations whose crit will be a likely mission kill. Even without floating crits, those side torsos can still suffer TACs, and IME (and probably statistically too, but it's been a while since I checked) those side torsos tend to get stripped of armor more quickly than the CTs to take internal crits too.
For a more concrete example, sure, a Crusader CDR-3R's 2 tons center torso ammo isn't
improving its survivability, but they're having far less impact on the overall survivability of the platform than its 2 side torsos which both have unpadded ammunition bombs. When I see those on the field it's almost always those side torso culprits that are causing those to light up like the 4th of July.