I am making a bard and noticed they have proficiency in hand crossbows. Upon looking at hand crossbows, they have the light property, which apparently means they can be used in the off-hand without penalties. But is there even a way to make use of the crossbow in my off-hand? If I wanted to use them with another weapon in the main-hand and without the feat, then the loading property would get in the way. (Apparently, crossbows are being loaded just before they fire.)
What if I had my main hand free to cast spells (unless I'd need to be holding the instrument, I guess?), couldn't I then technically cast a spell with my hand and then fire the crossbow? Or how about Vicious Mockery -- it uses only a verbal component and it's not an attack spell either. Should I be able to use VM and then fire the hand crossbow from my off-hand as a bonus action?