How about this as a feature for Carbide Motion...
Add a feature where the first tool/bit is installed in a loose collet. The router is then jogged to where the bit is pushed slightly further (.1 or so) into the collet, then you press a new screen button called "tool changed."
After you press that, CM lifts the router .5" and you tighten the bit and confirm by pressing an "okay" button.
Your program now runs.
Okay, when it is time to change the bit during the program run, the router returns to the x/y/z+.5 where you pressed "tool changed" and turns the router off (if under CM control). You remove the bit, insert the new one (don't tighten the socket), and press "tool changed" again. Now CM knows this is the 2nd tool change for the program you are running, so it does the plunge to zero to push the new bit to exactly the same point in the collet, and back up .5", then waits for you to snug the bit and confirm by pressing "okay" again.
Then program execution continues.
I might add some buttons that pop up during a tool change like "try that again," or "plunge another .1" (in case the new bit is shorter). You get the idea. This would be called the tool-change control panel.
What do you think?