Good points all. For me it is not a matter of coin. More a matter of developing expertise if you will. I have 3 years into SH3 Commander patrols and twice thru the entire war as different commanders and I still have a dilly of a time with convoy attacks as a lone wolf. I pick off the singles and doubles and even aircraft NP. But trying to get near a convoy, even lying in wait always seems to get the escorts rattled and the convoy then goes into defensive manuevers. Fun, but hard. I also treat my vessel and crew well. We are in it at all times to survive to fight another day!
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DID, no cheats, no shortcuts, no non-historic equipment deviations. Boat and crew safety is integral with my immersion style! Follow the historic events during your patrol:
http://www.uboat.net/today.html