So I added skills,
Commander - Jack of all Trades, Recon, Repair
Gunner- snapshot, repair, camo
Driver - smooth ride, repair, camo
loader - safe storage, camo , repair
My rationale here is that the worse trait about the T-54 is the horrific aim time that is a general trait of the Soviet line, hence snapshot and smooth ride - as ammo rack issues are also a constant nuiscance, safe storage. Jack of all trades seems like the natural choice for the commander of ANY vehicle really, and since I use the T-54 as an aggressive "power scout" most of the time, recon seemed useful.
I thought about the camo vs repair issue (my second skills are all 100% obviously, so the third skills are only operating at about 80%), I decided that repair should generally be a priority, as once you are seen you are seen... but once you are tracked or lose your gun, getting them fixed ASAP is more important.
If I was starting off with a new crew, I'd probably go JOAT for Commander and REPAIR first for all the rest.
For equipment I use my typical high tier medium set up of Rammer/Vert Stab/Coated optics.