When minor rivers are frozen to a certain degree, NON-MOT units will not suffer any cross river disruption any longer.Living Manual 1.27, p.424 wrote:23.8.9. Cross River Attacks
Combat units attacking into a hex through a non-frozen (ice level four or less for minor
rivers and ice level 7 or less for major rivers) minor or major river hex sides are
required to expend additional movement points above the normal attack MP cost
(38.7.6). All ground elements that cross the river to attack are subject to a disruption
check prior to the initial computation of combat value.
Ground elements with longer range indirect fire devices will normally not check for
disruption while infantry and combat engineers most likely will check.
Infantry type ground elements will tend to suffer approximately the same amount of
disruption for both minor and major rivers, but AFV and combat vehicle ground
elements will suffer more disruption in crossing a major river than a minor river.
Since disrupted combat units do not contribute to overall CV, players can anticipate a
reduction in overall CV of up to half for minor rivers and up to two-thirds for major
rivers prior to any other modifications.
Note: I did not test Ice level 5. Further attached a save where you can compare MOT and NON-MOT units doing the same cross river attack.