I carry all electrics. Once you get used to them, attacks are just matters of patience. They are quite valuable for convoy attacks as you can hit something and be stealthy at the same time. They are also useful for eliminating escorts, should one find the need to do so. They also make daylight attacks possible. I don't find there is really an accuracy problem in comparison to steamers, using manual targeting and no weapon officer assistance. I believe this is mostly to do with the torpedo aim glitch described in this thread.
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