in sub commander and in one of the game files you can set a reload time which I believe is treated as the fastest it can be, so if you set it to 3 seconds, with your best gunners on the gun crew giving max crew efficiency you'll get 3 second reload times, the times then getting longer as crew efficiency drops. The rate of that drop I do not know though and is probably the hard coded bit. That's how I understand it at least.
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