The reason that the mod doesn't have an option for an inactivity condition is that relying on one means that a train will load more than it should. This is in general not a good idea, as this can result in deadlocks at requesters if they become full at the same time that demand stops for that item.
Currently, making use of granularity with loaders requires adding a segment of belt between the loaders set to read contents, setting granularity to (loaders * 4 + belts * 8), and connecting that to the input of the provide combinator. This way, filters will get cleared before the train actually meets it's condition. None of that is needed with inserters (or cranes, which I use).
I could however add a "loaders" toggle to stations, which would change the way granularity behaves. It would make it so that an extra instance of granularity is subtracted from the provide output (filters), but not the schedule condition. This way, at the moment the schedule condition is met, the loaders are empty. Would that be suitable?