Lots of good stuff said here. Definitely take advantage of the layer whenever possible. You can run active torps at maximum speed no problem, but lowering the top speed of a MK48 by 5 or even 10 knots (which is still sufficient for the grand majority of subs in the game) greatly reduces the emitted sound of the torpedo, making it harder for the enemy to counter-detect.
I would also recommend that you use pretty much only passively-guided torpedoes against surface warships. I've had some experiences lately where surface warships have been able to spoof my active torps rather well.
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