I take a somewhat middle ground. Although I'll make a save just before I enter port at the end of a cruise, and make a new save under a new name (RR Cruise 6) upon leaving port, I save over the top of my present cruise, with replay even, throughout the cruise. I pay no mind to surroundings, whether I'm at sea, whether I'm submerged, whether I'm surrounded by contacts or on an empty ocean, whether I'm within x miles of shore or whether I'm facing Mecca. I've even saved with a torpedo halfway to a target.
No problems ever. And I haven't run the large address modification (I did it manually) until my last campaign. Most of the time I ran with 3.2 MB of memory.
This isn't SH3. Corrupted saves that aren't our fault are just about completely something that doesn't happen. But random events happen, thus my procedure that means I just have to rewind to last time I was in port if it hits the fan.
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