regarding the game not using the crewrating, most likely not so. I would presume that it nothing is found then a default value would be used.
As per this line from one the .act files... If 0, then the value from sim.cfg file is taken.
This is a real sample of what might occur, I am saying that the sim.cfg file is not used in this area. The sim.cfg is for the u-boats AI, AFAIK.
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