Torps can blow off the rudders and props of ships, I've seen that many times. Impacts in the sides make big holes and do damage to compartments, makes the ship list more or less. Magnetic hits make big holes in the bottoms and do damage to compartments, not just the hull. You can tell when the fires break out. Sometimes a nice magnetic hit under the center makes the ship go dead in the water. All of this is anecdotal, I haven't looked at any files to see how these things are calculated.
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