Your observations are exactly why you don't submerge all day, depleting your batteries. That's a great way to die by entering battle without fully charged batteries and without the means to conduct a successful evasion.
Stay on the surface every second your life is not endangered by not being there. Keep batteries fully charged when you are on the surface or suffer extreme fuel usage penalties.
Charging batteries, your diesels are running wide open with power shared between charging and whatever throttle setting you have chosen. And that's a lose/lose exchange. Avoid it by any means possible.
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