Smart weapons "gain a DM to their attack rolls equal to the difference between their TL and that of the target," (CRB75).
When using a smart weapon against a vehicle that makes perfect sense. But what about when using a smart weapon against a person? The Central Supply Catalogue gives us the option of smart ammo for pistols and rifles at TL 10 (guided ammo, page140).
Do characters have a TL? Do we use the TL of their armour? Something else?