This is just a real quick suggestion
Its odd that Vehicles in Enlisted come with Stock ammunition and ACE crew reload speed (before crew perks comes into effect)
How about:
1: Vehicles come with STOCK reload
2: The Tanker perk gives ACE reload speed (perhaps split into a 3 part perk)
just throwing it out there. (Basically means that the Current extra 20% speed from crew loader is nullified)
Cheers