Well you do not have many options:
Zuni in DCS has only one warhead option. It's not specified, but by weight it seems like HE frag effective against soft targets only.
Hydra (2.75' rocket) have M151 warhead which is in theory capable to penetrate some armor and fragmentize at the same time, so it's kinda dual purpose, but I'm not sure how well it works in DCS.
Another warhead option for hydra is MK5, effective against soft targets.
Mk-8x bombs are just general purpose free fall bombs of different size. You can use them with high drag kits like snakeye or chute to slow them down enough to escape blast radius when deploying them from low altitude, or you can use them with precision guidance kit like JDAM or paweway II.
Unfortunately, lack of fusing selection makes these weapons really straight forward, drop it as close to target as you can and hope for the best. Keep in mind that close miss will not always destroy a vehicle but it can render it inoperative.