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If you think about it, it's marginally better to have ammo farther back (like below the turret ring which is usually center of the tank) than to have ammo racks right next to the driver after all like tuhe M60s, Leopards and T-54s :P
Of course, the best defense is to NOT be shot at in the first place.
Drawbacks? It's a machine. They have to be well maintained to ensure it works in combat and does not stop working half way when loading a round. Some tanks do have backups (like chain pulls or able to manual load), but it takes much longer (and it's not something a crew member would be used to doing). Ammo having to be grouped is also prone to easier detonation and changing ammo types can increase the load time for the initial round of such type.
Human loader? These guys are well trained. A good human loader can load a 120mm in a modern tank in around 4-6 seconds. They also have access to multiple types of rounds to easily load right away and can do extra work when not needed on the gun. With a human loader, more space is often in the turret (to make room for him) so the turret crew does have extra space to work in, making it a bit easier on them.
Downsides? Well, they are human and prone to physical problems. A loader can always risk injury (muscle injury, hurting yourself on anything inside, etc.) and the normal 120mm ammunition is close to the weight limit a person can work with for an extended amount of time. Having this 4th man also means training and equipment for him and another man for the commander to watch over and command. Really, I think the pros and cons of a Human loader are quite obvious for the most.
In the end, it's more down to what the country has and needs as well as they way they see it. If you just can't have that fourth man (be it numbers, training, cost, etc), an autoloader may be a better choice, or maybe you just need a smaller tank. If you can take on the extra man and possibly larger machine and don't want to risk or deal with an extra mechanical system, then that extra man working the ammo may be the better choice.
I'd like to add than an human loader is also a bonus outside of combat. Tanks need alot of work, of which alot of is done by its crew. Having an extra man can ease the burden and stress on the crew quite alot.
Eehm why do you decide that?
This comment makes 0 sense
That's fewer people to do something like carry a casualty to safety.
An M103 with it's 120mm 23kg (50ish pounds) ammo compared to a more modern 120mm with subcalibre ammunition like APFSDS should be taken into account in how fast a crew can load.