Okay so at this point I've accepted that Crossbows will never get the love that Archery does. Look at all those bows! So will there be a lever Crossbow? A crank Crossbow? Hand Crossbows? Chinese Styled Crossbow? Most of that is just visual flavor or highly uncommon, so I accept none of it is going to happen. (Could be balanced by having the fancy shit REEAALLY expensive...)
It would be nice, however, for these old hand-pull crossbows to get a reload mechanic like the muskets in NW.
When you pull the bow back and lock it, then get knocked over/shot/hit/bumped/nudged, you should not have to start the reload from the beginning. Just stand up, put in bolt, done. If you switch to your sword mid-reload, same thing. That makes sense given the game mechanics at hand. If being knocked over doesn't trigger an xbow with a bolt loaded, why would it trigger one without the bolt loaded?
As far as realism goes...I would imagine medieval crossbows have a high chance of going off if the user drops it or is knocked over by a horse. And AFAIK they did not have safeties, so having a loaded crossbow on your back would not be a wise idea. So given that CRPG does not follow realism, I move that it follows logical consistency.