one way that might work is putting the hole (for inserting the rounds) near where the follower bottoms out in the magazine. this way, when you release the tension on the follower, the follower passes the hole and prevents dust/dirt from getting into the magazine, and prevents rounds from falling out of the magazine.
my other idea would be to cut the side of the lower receiver and create pivot points on the front and back of the magazine shell that connects to the front and back of the magwell. when you want to load up the mag, you would disengage the magazine and rotate the magazine out.
in a sense, this would be like turning the ar pistol into a sort of revolver-type mechanism. the pivot points would allow the magazine to maintain the right height so that the loading mechanism isn't affected when the BCG picks up another round to put into the chamber. the only problem with this design is that you'd have to maintain the structural rigidity of the lower. this means that you'll need to create a swinging door mechanism that would hold the magazine in battery, and provide some kind of cross-brace to make up for the metal removed.
this would facilitate faster loading, but would be a slightly more complicated design.