when you save underwater, the ship shakes when it respawns and it can "vibrate" (don't know how else to describe it) and move as much as 50 ft or more up and down and side to side like a salt shaker as it spawns looking for the correct depth position.
add to this, the respawn location can and will vary as well so if you save in port or near land you can spawn inside something or on land and be destroyed.
long story short, if you save underwater anywhere near land or water less then 150ft deep then there is a good chance you will spawn with damage or even be damaged enough to sink.
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