I've been in and started a few matches with limited ammo (never tried fuel) and it makes the team battles MUCH more intereseting. Instead of spraying when they're 1.5km out, you wait until you're sure you have a shot. Much more realistic, and alot more intense as you have to weigh the odds of you hitting them vs how many bullets you have left. Its my preferred setting now.
As for reloading? I usually kamikaze one of the other guys as opposed to just crashing. Really helps you with your manuevering skills too, as you have to literally get ON their tail to do it