I am not sure what is happening, but using completely conventional techniques on maybe 100 tanks over the years, I haven't had any of these issues. I poke the holes for the tubes with a sharpened 8p nail, no reinforcement is necessary, and I bend them at tight as I can manage with no radius. I have also seen no one else have any problems with stress cracks in the steel. I do sometimes see problems with the solder cracking, but only when the tubes are not properly soldered on the "loose" end inside the tank.
Of course, if you are doing something absurd like using Dykem Blue and scratches, it will probably have issues, but you don't want to do that. What I do is draw the tank (by hand or CAD), all flattened out, print it out, then use 3M77 to stick it to the metal. Cut where it needs to be cut (with quality stainless-steel SCISSORS, not tin snips or workshop tools), bend where it needs to be bent, as sharp as you want, then remove the paper with lacquer thinner. Clean it all up, solder it together, move on with life.
Far and away the biggest issue I see routinely is the workmanship on the solder joints, usually by wrong techniques, like torches, scratching it up with abrasives, acid flux, etc, or other barnyard/high school shop class approaches. You need only a decently powerful soldering gun and 60/40 rosin core solder and clean material to begin with, and good soldering technique.
Brett