I dont think it is possible without completely redisigning the tank. There aer simply not enouth space incide for both autoloader and gunner.
From my POV, keeping the loader as observer dont worth it without giving him additional independed powerfull weapon like 30mm autocannon at very least.
Keeping the loader as "technican" make even less sence - technic guys will serve much better in technic regiment, with proper training and tools. Not constantly risking on the battlefront. Of course, it will require changing TOE for western tank units - but better sooner than later.
Especially recent events in Iraq and A-stan have shown that the 4th man is direly needed and welcomed by the crews. In a crowded environment for example like during MOUT operations the observing capability as well as the self defence capability (Even with a plain normal GPMG on the loaders hatch, maybe with a gunshield) is heavily improved.
And your idea of sending more men to the maintenance units is far away from reality. I am talking about fast repairs and maintenance work in the field without getting a dedicated maintenance team to the beast, like for example a thrown track.
For sure it is possible to do this with a 3 men crew. But with a 4 man crew you get somebody who is able to cover you and copy the radio traffic because you need 3 men for getting the track back in position (1 driver, 2 men working on the track). If it needs to be really fast 3 men can work on a track. This is also very good if you are for example stuck in a mudhole. Tunks tnd to break down in the most possible worst of areas.
Just ask some people who served in 3 and 4 men crews, like for example finland or older generations in russia. I just have to ask my father with which tank field maintenance and repair was more easy T-55 or T-72.
And as long as I know there is a new lightweight compact 25mm chain gun available from an US company but I forgot the name. Anybody has the name? Otherwise I am doing a quick search.
Having this together with another RWS (GPMG, HMG, AGL) would defenitely enhance combat capabilities and many targets which were former main gun targets could now be engaged by the chain gun. This would reduce the problem of less main gun ammo when switching to a 140mm gun.