In game rules terms........... give them movement penalties for more equipment than the vehicle packing list authorizes....
Manning the .50 would normally be two actions for one already in the pintle. One to stand up in the turret ring, and another to remove the travel pin and get the weapon ready.
Overloaded make it 4-5-6 actions to clear gear or make room..... and make a reload from 2 to 6 actions too.
Then add penalties like -10% for aiming because the gunner has gear under their feet. A skill check to dismount. Getting in requires three actions.... (2 to move things, 1 to enter). You can coax them out of their shell.
Lastly, stop being the "Monty Haul" GM.... Stuff is cool but, limit what you give players and take it away often.
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