On the whole separate, semi-fixed, fixed thing. My understanding of the definition is that it comes down to this.
Separate - components (shell and charge/s), handled separately and rammed individually.
Semi-Fixed - components delivered to the gun separately but assembled as part of the loading process and rammed as a fixed round
Fixed - round exists as a single entity from issue to expenditure.
It gets a little blurry at sea if Mr. Picky takes charge, mostly due to mechanical subtleties and individual service definitions. Take the 5"/38, shell and case are delivered to the gun house separately, with the shell having its fuse set in the hoist, but the two are united in the loading tray and rammed as one piece. The RN did much the same thing with their 4.7" although in a more manual process, but considered the ammunition to be separate (IIRC). Where some of the post war Bofors 120's stored shell and charge separately, united them on the way to the breech, rammed them together, but had the shell separate from the case and ram itself (by inertia) inside the chamber.
I think if there is a hard and fast rule to be established here between semi-fixed and separate ammunition that is just rammed together, it comes down to how far/tightly the shell and case become connected once bought into contact. If the case just pushes the shell ahead of it, then its still separate, but if the shell enters the case with more than just a lose fit it could be considered semi-fixed.
On the other hand, to me trying to find watertight legalese type definitions for grouping weapons at this level is a joke, each one is an individual aiming to fill broad roles in its own way, so it ends up being pornography, hard to define but you know it when you see it.

shane