The game (both GWX & stock versions) allows you to load external torpedoes in any kind of weather. If you want to add a little realism to to your game then I suggest you adopt this personal rule: only load external torpedoes in calm weather (0-6m waves). If you have GWX you can set your boat to "decks awash" (depth of 6-7m) when loading externals for more immersion.
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