I cruise too at 256 TC but I always have plenty of time to react to an enemy plane. When my radar warning gives a signal TC drops immediately to 1 so I can crash dive with some safety.
One time though , in bad weather I was caught on the surface by a Hunt III DD and I was hit three or four times by shells , damages were severe (realism 95%) flooding critical and then we just scuttled the boat. My radar warning was silent!
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