Well cargo load outs arent a new feature. Its alreadyin the code, just not fleshed out for merchants. Leovampire was able to add load outs to merchants, but the work required is substantial. As mentioned before, they did the leg work for warships, but neglected merchants. It is perhaps why warships light up so easy when hit and merchants dont. The materials on board have a substantial impact on how much damage is inflicted by a torpedo or deck gun detonation.
Consider the significance in the difficulty in sinking a tanker if not one tanker in game is loaded with combustible liquids. Or if every merchant is sailing empty. Consider how easy it is to sink a warship when they are all loaded with ammo.
Im willing to bet these empty ships get tossed around more in heavy seas too and take on more damage than it should have if loaded and riding lower in the water with a lower center of gravity.
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