No amount of regulations or training will make a crew reload in 3-5 seconds if the tank is going max speed over bumpy ground.
I think Gaijin should add dynamic reload rates for manual loaders, stamina and different reloads for individual shell positions. Maybe even a physics based simulation for the crewperson doing the reloading.
I can also see why they wouldn’t do that, since you’d essentially have to punish manual loaders for being aggressive, these tanks wouldn’t get to use their mobility without paying a presumably unacceptable penalty to their otherwise stellar reloads.
War Thunder already has enough problems with “camper” gameplay, if stationary or low-speed was the only time that manual loaders got their full reloading speed, I believe we’d see an even more radical shift towards camping at every BR bracket.
All cannons should have to elevate their guns to acceptable reloading angles too, I see no reason to avoid modelling something like that.
I’m personally keen on putting as much realism into the game as the engine can possible handle, but that’s just me.