Start out with stock...blah..
Did our real skippers get to start out with stock lite or did they face the fire. I would rather learn to play the hard way from the beginning than get use to stock, only to have to relearn how the whole game responds differently when you load a supermod. Rather learn to play the hard way, but being more careful on you approach and don't try to be an O'kane from the start. Play stock and blow dd's out of the water with 40mm...too funny.
Now if you just want to rush in and shoot, stock is your game. If you want a realistic approach, TMO or RFB is your game. But you will have to spend many hours learning. The only good stock value I see is when you load a supermod, you get a wow factor.
But that's me. Every game I've played....few at that, I always start at the hardest settings. Still TMO and RFB are far from being realistic or hard. All of us that play with them can still sink a million tons of shipping ourselves.
Even with contact and cams off you can sink a million tons a career.
TMO planes are no problem if you crash dive when you see them, unless you get caught in shallow water. Escorts are a problem, but I would say closer to realistic than not.
And who want's to fight airplanes, poor graphics, and other bugs every minute.....Why mod's make the game harder, they also give you other tools to use. Why eat a hot dog when you can have ribeye.....with onions
Stock.......humbug. I played stock for a week and quit. Then I found mods and have been playing ever since. Obvious, I had to relearn the game, so I wish I had mods from the start.