I have had success with tactics similar to wooley and mookie. And even if you don't find yourself with the combination of fast and slow torps loaded, you can still arrange for nearly simultaneous detonation on three targets. Take for example a 6-column convoy with big targets in cols 3 & 4: position your boat 100M inside of col5 ( col2 works also) facing in and perpendicular; pick three targets in the same row; all three will reach 90 AOB at the same time; I play stock so ranges are row3-900m, row4-400m, and row6-600m; fire two at the col 3 target, then after about 25 secs it is time to fire stern at col6 and finally the last two at col4. Because all three targets get to 90 AOB at the same time, all five torps should hit at the same time. Assuming a big tanker, a big cargo, and a small merchant, one can rack up 20,000 tons. Like mookie and wooley I dive immediately at flank speed and turn 90 degrees to the rear of the convoy. As soon as the torpedoes detonate, I go to silent running and may turn 5 degrees port or starboard depending on what I know of the escort positions.
With regard to your question about risk-reward. I believe that single ships are much better risk-reward wise. But convoys are more fun.
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