Sometimes you have to deal with planes, shallow water, doing end arounds chasing fast TF, can't dive. Still, until I get a full load out of two AA guns or the third AA gun TMO gives later war I prefrer to dive. Late war I like the Formosa convoys that hug the coast, you seldom have more than 50 ft of water. I'll certainly try to wait until night.
Now, if the damage was realistic, I would never fight a plane, but you can take direct hits from bombs and usually get no more than 20% damage.
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