Oh, no!!!! Overkill has Compulsive Tweaking Disorder (CTD). I know one other person who has this and it leads to terminal insanity!
CTD kills!
By the way, in Ducimus' FAQ that nobody reads he clearly says that you are to tweak to your liking, just don't complain to him if you don't like the results. Many times in the FAQ he even tells you how to change his settings.
Still, the spirit of TMO is savagery. If you kill the spirit then what reason is there to run TMO at all? Might as well load up Beery's last version of RFB where you could sit at periscope depth shooting torpedoes, take multiple hits from depth charges and never get sunk.
Basically, what the difference is is that RFB strives for realism of result, not matter how unrealistic that makes player behavior and TMO seeks realistic player behavior, not matter how unrealistic that makes the rest of the game. I don't see how it's possible to achieve both.
But the fact is that one of five submariners were killed in the war. That's a sobering statistic the made the participants very afraid. In order to have a realistic simulation you must introduce the very real possibility that you might not survive "routine" operations.