Odd! I have been using NYGM for some time now and can't recall the last time a sinking ship broke in two. Maybe one of the mods I use has changed the sinking dynamics.
Are you using the magnetic pistol and setting depth to underrun? If so, then when everything works, the ship
should split in two. That was the intent of the magnetic pistol. 'Course, the mag pistol didn't always work right, and there were depth-setting problems with early-war torpedoes, so the chance of a successful engagement is not so good. This is reflected in the game if you use the h.sie patches.
<ASIDE> I don't use the magnetic pistol. I don't trust it. BDU complains, but as long as my tonnage is good, not too much.

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Scope views "a little more realistic...." What do you mean? Better looking ships? There're a couple of mods for that. I like IABL's ship. YMMV. Better looking water? That is
so a matter of personal taste, but I like SH5 Water for SH3. Again, YMMV. More realistic scope views? For me, that would be Hitman's Optics, 'cuz it's based on actual existing WW2 U-boat optics.
Personally, if I can make a daylight surface run through the Channel in mid-1940, after BDU has "closed" the Channel, and not break a sweat, I think that's a bit unrealistic. But "realism" means different things to different people.