MacCaulay is dancing around a very good point without explicitly saying it: it's the kind of training that matters. Soviet units could deploy into combat formation from road marches at a lightning pace, manuver in radio silence, perform drill, etc very well, but failed in other areas. There was no real NCO corps in the Soviet military, and technical matters, technical familiarity, and understanding the principles behind the machines were officer's jobs. MacCaulay, I have to say, outside of the military vocabulary, your posts sound like any skilled tradesman discussing his profession, and I use the word profession deliberately.
As my totally dilettanteish reading of tank history has it, the T-72 autoloader wouldn't eat your arm. If you used it right and knew how to behave around it. But when there's a hangfire (do people even use this term for tank guns?) and the commander needs to demonstrate that his units are all up to spec, and when conscripts in their first year are only being taught to go through the motions and punished severely when they can't keep up to quota, well, dammit, the temptation to just reach into the damn thing and grab the shell out must be a great one on the inside of a rattling, smoky tank. And that's how daddy lost his hand in the wa- in the 1986 summer exercises.
Of course this ties into larger Soviet attitudes towards the military and the nature of war in general, and if I can get general, society at large. People were taught to do their jobs without a lot of rhyme or reason or explanation of the larger principles or even the end goal.