unlike when you dock, and you oversee the torpedoe loading ( i.e. you bomb up yourself) and load tubes and all.
When you refit, you go to the Officer Mess for a stiff scotch and some idle chatter, only to find out once back at sea that the lazy bilge rats in the torpedoe room only load them on board and did not load up the tubes

, so you about face and head harbour, on the way back you work those lazy rats by doing loading time trials and see if they can load em all up before refit

so whilst they refit the remaining torpedoes, you go have another stiff drink and find a quiet bit of wall in the Officers mess
End state, I find you have to refit twice to ensure that your tubes are full as well, don't know if it is a glitch or not.
Grus