Czech Pandur II armament

[Marcello]

"in other cases such as T-72 the crew might be able to do it from inside"

Definitively yes. Nowhere nearly an headache as the Kurassier. IIRC it should be possible to load the spare rounds in the gun manually if the autoloader breaks down or its ammo supply is exhausted.
Clearly it would be more time consuming but the tank would not be totally defenceless.