The difference in the torpedos that caused the damages to the ships in photos and the ones US subs used has to be taken into account too. There was a large difference even in the same "types" of US torps such as the Mark 14 prior to late 1942 and the ones passed out to subs afterwards due to switching from TNT to Torpex and the resulting 50% "explosive power" gain.
BTW as far as damages go and the extremes the game produces, this comes from a section found in Wikipedia about US torps and their problems:
"Two destroyers, ordered to scuttle the damaged Hornet after the Battle of Santa Cruz, fired sixteen torpedoes at the carrier without sinking it. In a particularly damning episode on 24 July 1943, the submarine Tinosa shot fifteen torpedoes into the largest tanker in the Japanese merchant fleet; only four exploded."
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