Actually the ingame default is Magnetic.
However I have this habit from Silent Hunter IV of always switching my torpedoes over to impact - because for modded SH:4 you probably won't get a single kill for the 1st half of the war if you use the crappy magnetic exploders!
Also in SH V, I have not found where the keel depths are listed ingame to make lining up magnetic detonator shots for the keel easy. The recognition manual now just shows you the crappy ship outline rather than giving you any real information about the target like Silent Hunter IV's recognition manual did.
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