I don't see how loading matters in any way. Crossbows are nothing special even if you don't have to load them.
Crossbow, hand 1D6
Crossbow, heavy 1D10 (two handed)
Crossbow, light 1D8 (two handed)
I mean what is so special about crossbows that makes them OP if you take the loading action away???
Well ... they do potentially give double dmg.
It may not seem as much when you compare two regular weapons ...
Problem starts appearing as you add other modifiers ...
You know ...
When you have +1 crossbow its up to 11 extra damage ...
When you have Githyani crossbow and +1 enchant (from wizard) and half HP its up to 15 extra damage ...
When you apply poison on Githyanki crossbow and have half HP its up to 19 extra damage ...
When you aply wywern posion on it its up to 60 extra damage ...
See?
It adds up.
