Geoff, I have a save that won't load (causes a crash as soon as I hit "L" on the title screen).
Before I saved the game, I was tailing a task force near Florianopolis. I was submerged, and as far as I remember had no damage. Radar may have been active. All crew members were alive; two of them were equipped with a toolbox, welder, and SCBA each.
Nation: USA
Starting Town: New York
Vessel: November Class
I've provided a link to the save in case you find it useful for debugging:
https://dl.dropboxusercontent.com/u/...2/SaveFile.sav
Many thanks for the update, I'll keep an eye out if this happens again and hopefully have a better report for you!