I think I have realistic reloads off then. With full crew effectiveness, it takes me 6-7 minutes to load my externals. I'm in a type VIIB (I know the U-96 is a VIIC, but make do with what you got) on 50% realism. My first career was transferred in June of '40 to training duties. (sh3 commander) So I copied and pasted my XO's name and continued the career as Karl Heinz-Broda instead of my name. That epic story happened to be Broda's 3rd. I was lucky there.....Im in the process of saving up for an IXB (7500 ugh) so I've been harbor raiding for tonnage. I kept hearing that Firth of Forth was good so I decided to head there. Then, that happened.
I am going to check up on my realism settings and switch realistic reloads on.