I believe taking on a destroyer on the surface in SH3 is 60% luck and 40% strategy. It's definitely not the best way to take them on. (personally I find a Lined up Bow shot with a good magnetic detonator at about 1000m-700m followed by a quick crash drive usually does the trick for me.)
Although it is possible and I guess in some situations preferable to engage them with the deck gun. I sometimes surface and fire a few shots at them just to get their attention so they'll charge me and I can dive to do my bow shot.
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