It's best to use the crew with high gun ratings. Early war it may be you have only a single 20mm AA gun, very hard to shoot a plane with that.
The obvious advice..DIVE, why risk your ship....but we all do it from time to time, but if you're playing to live think as a real skipper would...never put your sub in a bad postion against planes, stay out of shallow water in the day if that's a big risk. Also, if a plane spots you, it will vector in more planes. If you're playing TMO alone, the planes are dangerous.
Later war you'll have options of duel 20's of 40 bofars and with the right crew you stand a much better chance if you must fight on the surface. A few direct hits from a 40 will splash most planes. I prefer one 20 and one 40.
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