SH3 has critical damage areas defined as part of the ships. One of them is the keel of the ship. (others are engine, fuel, ammunition) If that is damaged enough then the ship is considered sinking. I suppose this depends on what (mega)mod you are playing with or which ship-mods you have (they might not be configured correctly if copied from other ingame ships). I vaguely remember there was even a way to see these zones in the recognition manual. Might have been a mod doing that. But yes, magnetic torpedoes detonating below that are more likely to cause enough critical damage.
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