Now that indeed deserves feedback :-).
You know, I try to get the whole picture of gaming sometimes, and from a very general point of view, we're going from plain simulation to complex 'virtual reality'. Before, all we could do was to assign some points to some skills of some character and say that it would represent his abilities in the game. Now, as it already has been pointed out, we have gamers that themselves will make a direct difference. It's just not necessary to simulate accuracy, you can really have it or not, depending on your real mouse skills.
IMHO, the best bet is always to let things go natural, whenever it's possible. The less you have to simulate, the more real it will feel. I know that it seems absolutely obvious, but it might not be about everything. Your reloading speed example is good, it's just more natural that, as in everything, the more you do something, the more you train at it, the better you do it, the quicker you can do it. If the game could adapt your character skills to your real skills, or could evolve the character's way of doing things to reflect the way you're actually doing them, it could be the answer to the everlasting hard question of "how should we handle this in the game?" that surely comes back all the time, for every situation that needs some sort of arbitrary decision at design time. Well it's just an opinion.
You seem to have a clear idea for implementing this in some situations however, and it'd be nice to develop it (or maybe it's just me that can't get it completely), and eventually these could be really cool reference ideas.
Just a quick concrete one more on topic: Let the players exchange things, particulary ammo. Right now I imagine an animation of a marine throwing a mag to another, in the heat of the action. Yeah.
I agree, they might already have gone through all this. Anyway, as Aebonka intended this thread to be, it's mainly a reference of randomly thrown ideas that maybe will catch attention somewhere. If everything goes as planned, there's a trilogy coming, so I guess it's never too late for any idea.