There seems to be agreement that the UGMT-1 is the actual payload. So determines my vote.
I advise caution in adding hypothetical weapons and capabilities. The title is "...realism mod" after all. That's not to say that it should never be done, but it should be done sparingly and only when there is both some evidence to suggest that it is accurate in RL and improves gameplay balance. I'm not convinced that is the case here.
And as for the "hurt the russians" swipe, I remind you that I argued for the akula-II to be nearly as quiet as the SW, for the Akula-1Imp to be quieter than the 688I, and for the Kilos to be quieter than all the nukes at patrol speeds. I even seem to remember that you had to turn the SW's NL up after one of the earlier versions because it was nearly invincible. =P
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