Yeah but that's partially madmans talk.
Look, to do this you have to start messing with java.
Apart from that, imagine attacking american or japanese aircraft carrier with all it's aaa.
Then also take note about 88 flak cannon's that produce massive shrapnel damage.
That gives you almost no chance of getting close to enemy ship, because flak's and if not flaks, then other AAA will almost always hit your underwing bombs.
That is a good idea, but in-game it would be pretty annoying after some time.
Like that engine warm-up that takes place in HSFX or UP ( I don't know in which one, excuse my ignorance ) - it is realistic, but hell this is a game and if we will make it 100% realistic, then why don't we go to nearest airfield and try to fly on our own?
Basically the bomb thing on crash is a perfect idea in my opinion - I hate the way that my fighter crashes into the ground with the same effect as Pe-8 with FAB 5000.
But the machine gun to bomb explosion could be, let's say - 50/50 chance of happening. You know what I mean, so you won't be blown to pieces on every possible occasion, but only under serious fire.
My five cents