Guess I'm a little too late with my input, but I can confirm your findings; I've been playing with the Ship_Plane_Fire_Damage for countless patrols now, and I often save and load while at sea (even submerged with a convoy at less than 5 km distance) and I never had a problem.
I don't have the WaterDisturbance mod, but I do have a load of other mods running, and it never crashed.
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