I wasn't answering about real life. I haven't a clue about real life torpedoes, much less ships and their "weak points". All I can say about the game's torpedo then is that it goes "boom" when appropriate (usually - if you have "duds" enabled, it might not)... hit points are subtracted from the vessel based upon where the torpedo "hits", or rather "detonates", and also on how "strong" the torpedo is. I'm not sure, but there may also be an element of chance involved.
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