Actually, I don't think fixing the netcode to allow multiple banks would necessarily be hugely difficult. The issues are
1) Will it cause lag if we have to send more packets.
2) Finding exactly where the netcode is breaking, if it crashes on the client, that's easy. If it crashes on the server, that's even easier. If the server merely fails to send the information required to client, that's where we have a problem.
3) Updating the Loadout menu and FRED to reflect the changes.
Basically, this is something that would become much easier if we had access to the Wing Commander Saga changes so we could see how they did it.