I think AK mag reloads are a lot easier, a tiny bit slower on the speed reloads, but easier. You don't need to get the mag all precisely lined up to insert it, just hook it on and hinge it back, and then they lock in nice and secure, none of this "Did I push it up far enough?" business. Probably why HK like the rock 'n' lock as well, though they still make you deal with a well.
Maybe it's because I have big hands, but I quickly adapted to the AK fire select, very easy to operate with your middle finger, it's easy enough to push down on the ridge of the arm to push one into a firing position, and even if your fingers are too weak for that, lots of the countries which make their own AK variants make fire select levers with a second plate above the trigger for easier operation.
Also think about russian combat doctrine. When things look like they might get nasty, you slam it down into semi, move your hand to the grip, and just leave your hand and the fire select where they are, because contrary to popular belief, the Russians also think that only Americans would use automatic fire.
"America and Rest-of-the-world" SA80 family fire select
Auto is at the top, because if you're in a hurry, you're in a hurry, and you'll slam that lever down, and get semi, which is what you need, you have to think and be careful to put it in auto, which is what you should be doing while using it in auto. The AK fire select will protect what precious ammo is left in your midcap when you're in a panic.
I actually think it's a great feature of the AK how the fire select lever is placed, because unlike with ARs, L85s, G3s and G36s I have yet to accidentally change the fire select to a different setting mid battle.
If you want to see a genuinely stupid fire select, check out the ОЦ-14 (OTs/OC depending on whether or not you're looking for it in the library of congress ¬_¬) Think about how to operate that below your ear.
As for charging it and the lever location, it's a simple design. You get a charging handle, forward assist, and ejection port thingamy all in one robust simple part. You have to learn a different drill to charge it, to turn the gun on it's side and reach over, but it's the price you pay for having a gun that will fire every time you pull the trigger. In 1947. And 1959 and 1974.