I now realise how cautious I've been through all my playing years... The only time I've collided with a warship was once in 1939 with a type II. The visibility was something like 500 meters, and a corvette scraped my port side. It didn't shoot or use search lights, and I'm inclined to think that the corvette didn't see me. I got away from it running on surface as the visibility was so lousy. It was a low visibility traffic accident, IMO.
But I believe you guys. It's good to hear that the AI isn't that stupid, and they do try to run over you.
What I would still argue, though, is that a destroyer, even with its main guns out, would still take a U-boat out by flank speed maneuvering, light weapons fire, and ramming.
Come to think of it, I've only seen destroyers in a surface fight in those short moments that my boat has been depth charged to pieces and I have been forced to surface. So what do I know... SH3 still has many secrets, even after all these years