Yep bad weather loading would be very dangerous.If we had external torp moving animations with the crew,I'd like to see them doing that in a storm like in Das Boot for example...that would be extremely hard to do and many people would probably be hurt and the torp could fall or hit the walls and ...well let's not think about that
Also saw somewhere on the forum that electric torps couldn't be used as ext reserves because they required maintenance very often.