My OPINION is that your better of setting your torpedoes for impact pistol instead of magnetic. Magnetic is best used for hitting ship at angles OTHER than 90 degrees.
Think about it... why have the torpedoe explode very near the ship (magnetic) when you can have it explode while actualy touching the ship (impact)?
Also, you mention that all your shots produced splashes... BUT, where the splashes in the exact place that you wanted them? You don't have to just hit the ship, you have to hit it at exactly the right spot to sink it with one shot (the big ones, I mean).
The are other several reasons that could be the cause of your targets not going down in one shot, but they all have to do with making small and subtle errors in your target solution... but that's not your case since you say that you don't do it manually, right?
One last thing: on higher realism settings locking the scope on a target doesn't allow you to choose what particular part of the ship to hit.
Hope this helps
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