I don't know, I've never played with the loadout, I usually just take what they give me. I'm pretty sure there's a way to change out one kind of eel for another, but I don't know if you can just select NO torpedo at all for one of the designated slots in that screen. I think to change the default loadout in that way you'd have to tinker with the game files. Pretty sure it can be done, but then that would be your default loadout all the time and you'd have to go back in and edit the files again if you ever wanted to make a change.
