As for the radios, they weren't reserved for commander's tanks. According to Bariatynski, there were made 4102 single-turret tanks without radio and 4034 with radio, and their output was roughly even from 1934. This indicates, that it could be even more, than radio=20.
BTW: in 1018 single-turret tanks without radio produced in 1940, 208 had AAMGs (there are specific data available for 1940 only).
As for armour - well, 7mm plate at 80 degrees may cause a bullet bounce, but it seems to me, it is not equal to 40mm... If we keep 3, than I want the same for 7TP and Vickers
As the T-26E: I agree, that a speed could be cut down even more (there is no precise data, but some 7-8 looks correct). And it rather should have no AAMG.