I agree that the idea has appeal, especially as you describe it. Your example is a good one, as I think taking different positions on, say, a bomber over Europe or as pilot and observer in a WWI two-seater. I also like your idea of a PT boat, since fast action is what it's about. The life on a ship involves a lot of boredom. I was a radioman on a destroyer, and it was alright as a job, but not something I'd ever want to game.
Still, my observations are my own, and only what I think about it. I could easily be wrong.