I am usually somewhere in the high 70's. I don't mind the renown-hit since even a so-so Kaptain like me can bring home bigger tonnages than Gunther Prien.
Manual targeting on, W.O. assistance on - used only to identify targets, external camera on - only for sigh-seeing, stabilized view on - 'cause I can't use any of the RF's without it (and even then, the accuracy is dubious).
Map contacts is also on although I do use the Realistic Contacts mod (it does not show any ships above a certain zoom level which really cuts down on the instant situational-awareness factor of the stock map view).
The other reason I don't mind the renown hit is that I (
cough - cough) pay myself back the renown that any major upgrade would cost me. Sorry, but I like to keep my medals and my rank.