What’s being described here is exactly how we do it in the Ambush Alley game engine – other than if the team splits, each portion only benefits from the weapons/special figures attached to it.
If the unit is a trained military unit, it’s assumed that its members are cross-trained on weapons and someone will pick up a fallen gunner’s weapon and put it to good use. Untrained units have to make a Troop Quality check to do so.
If a unit that takes hits contains specialty figures (a point man, medic, JTAC, etc.), a roll is made to see if it is among the figures hit.
It’s been working pretty well for us since 2007. Seems like a solid, time proven mechanism.