[UKönig]

I have usually saved my games while underwater, and loaded them later with no trouble at all. Mostly because I am about to attack, and (if/when) I mess it up, I can hit "alt-F4" to quit, relaunch, and get all my ammunition back.
Only one time recently did I get hit with an underwater load bug.
I was attacking a convoy and was ducking under (way under) some ships. The upper tower had been damaged, but the pressure hull was still tight, so I went to 160M, to avoid the depth charges. Something happened that forced me to quit and reload, and when I did, the minor damage suddenly became fatal. Loading at 160m, with minor damage and within range of a convoy killed my sub. I tried everything, even emergency surface, but to no avail. There simply wasn't enough time to effect any changes before my sub was crushed by pressure.
I have been more aware of my save game locations these days...