So far, Craig's Bond has been a more literary based, realistic (by the standards of Bond) character. It is, however a character set in the present (which I think may be a problem in presenting a character who is Bond in anything but name only, but a topic for another day) so obviously Craig can't be a world war two veteran or really a veteran of much of any conflict at least as far as the Royal Navy is concerned. So, apart from the camp aspect the whole "Commander Bond" thing opens a can of worms as to what is this character's backstory. If you keep it Royal Navy you have some explaining to do, but if it's something else, then you're deviating from both literary and movie Bond.
Wouldn't it make sense if he had been a SBS officer (it seems the usually are naval officers, generally with the rank of RM Major or RN Lt.-Cdr)? He could have passed the SBS selection tests just freshly ground from the Britannia Royal Naval College, thus never really serving as a commanding officer on a warship? And SBS has recently been seriously involved in fights in Afghanistan, Bond could then be a veteran.
This raises another issue: what's Bond's education??? The rank of commander is rather high, and to make it I guess that, in time of peace at least, Bond would have had to have a solid higher education.
