When you look at the ship through the periscope or UZI it will tell you generally what it is that you're looking at. So far I've only seen Warship, Merchant, or Coastal Vessel. I presume that the tugboat will show as a coastal vessel whereas the other will show as a merchant.
As for 100% realism, I play with the Realistic setting, which gives me 100% but still includes automatic map updates. If I didn't have that, I would simply shoot the weaponsmaster and dump him overboard. He must be good for something, right? Anyway if you really zoom in on the ship it will give you a kind of a size estimate based on the marker you see. Sometimes you zoom in and think, "That's hella small..." and when you get close enough to see it through the finder, it's invariably some kind of a coastal vessel like a sailboat or a trawler.
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