Forget the escorts/planes- even the merchants are dangerous now!
I'm in 1943 in my career. At first I really liked the Deck gun. In fact, at night I would use it exclusively against merchants to save torpedoes.
But after visiting the museum, I noticed that over the years many of the merchants start bristling with weapons. Particularly Liberty ships- two cannons and TONS of machine guns. If I surface within 6k of those guys, I'm getting raked by gunfire. Not only that, but a ship can be a huge bonfire, with a nearly submerged bow, and when I surface to finish it off with cannon fire, I still get fired upon, risking crew casualties or permanent damage.
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