You are already not able to mount anything more but CAU5, or even HAU4 in case of caps, if you are having a cloak. Would make cloaks useless in combat, with ships becoming nothing more but paper. Not to mention value of cloaking devices would, in such a case, fall down even more. They have been nerfed enough to the point of them being second to useless.
I fail to see fighter with cloak but no armor, throwing away any further sense for Mk I.
As for the rest of the points. I agree with every single one of them.