The arming distance should be 300 meters, based on range, not time.
One possible explanation for torpedoes bouncing off even in 90 AOB attacks is shooting them too low, so that they hit the curved part of the hull. I don't think I've ever had a magnetic trigger go off in these situations - magnetic triggers only seem to detonate when actually under (but close to) the hull, never when bouncing off the hull.
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