What if we had the choice of what round comes preloaded in our tanks.
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It would be nice, it would also be nice if we had realistic ammunition, and realistic load times, and if the machine guns on the tanks actually had realistic overheating times, and if the hull machine guns were actually usable.
There’s lots of room for improvement 
In addition, commanders looking out the hatch able to use smoke grenades and binoculars.
That is coming. They will be able to use binocs and their SMGs in the bug update.
It will be a nice change for sure.
As for loadouts. I would love to get the smoke rounds, heat rounds and canister shot as they all were important and relevant in WW2.
Plus , some tanks (StuG) need their historical MGs.
Or better yet, ditch the autoload mechanic for manual load like Red Orchestra had for snipers… a click between shots to load the next round. This way you can choose in advance what type of round you load in the gun