Drow Handcrossbow Sword Bard hmmmmmmm!?
I actually did some research on how they implemented it, and apparently in BG3 you don't even need crossbow expert, you can just inherently reload hand crossbows even if you are dual wielding ( and the game has hand crossbows in it, which always helps ), so you don't need variant human, and can go drow if you want.
So looks like that kind of cheese is a go ;p
You don't even need to be embarrassed while trying to argue with the DM that crossbow expert is a legitimate rule even if the mechanics of it are about as plausible as reloading while dual wielding uzis.