currently bandicam is excellent in that it can cope with two audio tracks
1) what you hear - (in game audio + voice comms)
2) microphone
However a common problem facing let's players is how to deal with editing, noise filtering, and mastering audio tracks for
1) in game audio
2) microphone
3) voice comms (skype, mumble, etc)
there is another product on the market, that can do this, although it's more expensive, the encoder is slower, the files it creates are larger (and therefore slower to edit), and the interface is worse. It'd be amazing if Bandicam extended it's fantastic multi-track/multi-device capture to allow for three tracks/devices, instead of 2 - to the point where i'd even buy the product again if it could be added.
here's hoping.