As far as u-boats against planes goes, let's forget figures pro and con for a minute and think like a real submarine commander: You don't have to die, but you only get to play one career per year. If you shoot down 175 airplanes during your career, good for you. BUT, if one of them kills you, you don't get to play again for a very long while.
Now, how eager are you to duke it out with aircraft, and how much are you willing to argue this point.
As far as I'm concerned, the deadlier planes are the better. It may or may not be realistic according to numbers, but it would force you to play realistically, which means staying surfaced and fighting as little as possible.
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