Tanks + other large guns, gunner/loading scheduling question

[leonpoi]

This is something that's bothered me for a while, how do you schedule the gunner/loader actions on tank guns and other guns with a loadtime?

e.g. tank, main gun has load 2

Which of the following is the correct way to handle?
1)
TURN1: gunner fires, loader then starts load
TURN2: loader finishes load, gunner can now fire unaimed or otherwise aim
TURN3: loader starts loading again if gunner fired, otherwise gunner fires and we start again

2)
TURN1: gunner fires, loader assumed can't load after gunner fires
TURN2: loader starts load, gunner aims
TURN3: loader finishes load, gunner fires aimed shot

3)
TURN1: gunner fires, loader assumed can't load after gunner fires
TURN2: loader starts load, gunner aims
TURN3: loader finishes load, gunner does nothing
TURN4: gunner fires, loader assumed can't load after gunner fires

The effective ROF depends on what option one chooses.