[Wulfmann]

IMO, and only IMO, it comes down to trying to have a more realistic attitude about neutrals and what commanders did and did not do.
Out side of known war zones I simply do not attack neutrals and even in war zones only if they are headed to an enemy port and the distance away leads to the obvious conclusion they could not be going anywhere but an enemy port thus supplying said enemy.
The -1 means you will allow the neutral to support the enemy where in real life international law made that verified enemy supporting neutral a fair target.
That said I am very strict on attacking neutrals and must say it is very rare that I do so.
Any neutral in an escorted convoy would have been a legal target in WWII and if you keep the -1 you are penalized where you never would have been
If you can not be diligent perhaps the -1 would suit you better.

Wulfmann