It makes sense to always reject it in the early missions what with the german fleets being blockaded most of the time and doing their best to avoid the royal navy. Only safe areas are very close to port, at which point I assume you are expected to dock yourself anyway.
As for out of fuel I read somewhere that you can drift on 0 fuel. If you lay in a course and dive the ship will move by the water currents, you will have to surface to clear the air periodically, but you can (veeeery slowly) make it back.
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