Once in a while, its worth taking the risk... Regarding the restart I agree. But i play dead is dead. I just took the risk cause it was ok to do so. I have been depth charged hundreds of times in the game, it was the first to take the destroyers deliberately (not the odd engagement to self preserve when there was no room to run deep and silent). Chances are that these guys were complete amateurs (still Dec 1939).
At the end of the day yes its a game , but i dont think that taking a risk is not realistic. The non realistic part was the outcome...not the risk taking.
Otherwise I would play a fishing boat simulator
