CTD's are a constant pain, even in open water I've had some go south for no apparent reason. One item that seems to negatively affect your savegames is having hull damage or any portions of your ship destroyed. Taking damage is part of the game, when it happens wait till you're out of danger or out least out of range of any ships/coastal artillery that could possibly hit you. It makes things frustrating that during a prolonged attack/escape you could easily spend 5-10 hours and if you end up sinking all that progress is lost. You can roll the bones and sometimes get lucky with saving underwater, though make sure your sound indicator is all green and you're not moving; you've got about a 1/3 chance the save will work. If you have to use it though, you'll find that your deck is manned by your watch team while submerged.
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