i think a simple solution is your last torpedo "must" be finished by either putting it over the side if its on deck (you lose it) or if its half way in or out it gets finished being moved in the fastest direction it can go. (if thats back onto the deck then its over the side too)
then have a time delay of about 5 minutes before you can dive to simulate sealing up all your hatches and during this time you get flooding if seas are washing over decks so you have to think about how fast and which direction you sail so by running paralell to the waves direction you can reduce this flooding until your hull is secured again.
a time delay seems the most practical solution to solve the instant dive during external loading problem
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