I agree that there are people who deliberately suicide in order to make sure they are going to hit their targets, but the only way I see of reducing the occurences of this is by punishing the player him/herself. The problem is in how you would determine the "intention" of the pilot. The only thing I can think of would be to penalize the pilot if they augered within a certain period of time after dropping the bombs, while at the same time they had not received sufficient damage to render them unable to avoid the ground. I don't know if it is possible/feasible to code this. The potential for the current proposal to punish those of us who have the dumb luck to get shot down while in the process of trying to extend from our bombing/jabo run, IMHO outweighs the benefits of stopping the suicide bombers.
I like the idea of limiting the ability of true level bomber to release their ordinance when they are in the bombsite only. This should eliminate the use of level bombers as dive bombers.
As far as perking bomb loads, I must say that I am against this for several reasons. First, this would potentially increase the number of jabo flights needed to take FH/BH/VH/ect down. Furthermore, I need 1k bombs to take out FlakPanzers and Panzers. Throw into this mix the upcoming Tiger tanks, and you have a reall need for being able to roll a jabo with 1k bombs on demand to take out enemy GVs. 500lb bombs don't seem to cut it when it comes to killing FPs/Mk4s; unless, that is, you land them practically on top of the target...something that I personally have a hard time doing consistently. That extra blast from the 1ks comes in really handy in near-miss situations.