Ok, the TM says that a transport bay has room for a vehicle ('Mech, ASF, CV etc...), it's crew and support staff
Crew accommodations are provided for vehicle crews, or MechWarrior, or fighter pilot of respective bays. In addition of combat personnel one technician can be included, NOT whole Tech Team. 'Mech and ASF Bays have enough tonnage to hold the personnel along with 100 ton unit. But vehicle bays are broken: Light Vehicle Bay takes 50 ton slice from the DropShip and can hold 50 ton Vedette Medium Tank along with its 4 man crew and vehicle technician; do they sleep inside the tank?
but what can a transport bay carry when dealing with a unit that carries extra equipment, such as:
A)Omni pods?
B)True Hand Held weapons (like on the AXM-6T and -6X and QKD-8X)?
C) ASF's external weapons
D) Field gunner infantry (transport bays aboard dropship, not compartments on APC's)
E) Ammo, When transporting is the 'Mechs ammo in the 'Mech, in the bay or some where else and an/could extra ammo for the 'Mech be carried in the bay? Also Disposable weapons for infantry/BA and one-shot launchers, where are they carried?
A) Only those currently mounted in the unit, rest goes to Cargo Bay
B) If unit in question weighs 100 tons, hand held weapon has to go to Cargo Bay
C) Cargo Bay by the rules, though those could maybe be fitted on the plane before launch
D) Nothing in the rules, but I guess Field Gun goes to Cargo Bay
E) Unit can have all the ammo it can carry, all other ammo goes to Cargo Bay
But as others have mentioned, 20 ton Locust in 'Mech Bay would waste 80 tons of potential cargo capacity. So 'Mech Bay with Locust on it could hold 80 tons worth of ammo, armour, spare parts, personnel consumables (food, water, toilet paper...) and whatever else you can think of. How that affects to maintenance, repairs, and orbital dropping is anybody's guess.