1) One idea to get around this, is to take the Mark 18 torpedo and turn it into a 'Contact Only' Mark 14. As you said, the data for the premature explosion due to magnetic can be nullified. You may want to reduce the MaxEF some due to the fact a pure contact does less damage than a true under the keel exploding Magnetic which is not really modelled in the game anyway. Or give the magnetics a larger explosion radius, which is what it is doing, more damage to the ship.
So you would haver two types of mark 14, one contact only and more reliable but less damage per se; and the more unreliable magnetic but has a potential to do much more damage.
I do not know how to add a new torpedo, but the game AI does not care about the Mark 18 electric, since the AI does not 'see the bubble wake' and steer clear, or DD homing in on your position.
I real life, mark 18 was used especially during the day to shoot a ship being more stealthy. But in game the AI does not care. So make a mod with Contact Mark 14 , and Magnetic Mark 14.
just an idea. I really hoped it would have been fixed in 1.3
2)
Last easy idea is to make the Mark 23 available from the get go start of war and pretend it is a Mark 14 contact only, which it is BTY and more reliable. Mark 23 is contact only and no (less) chance to premature detenation. Make them cost renown since you are disobeying orders by disable the magnetic exploder which some captains did despite what SubPak ordered. Reflects your disobaying orders.
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How reliable are the magnetic exploders in the game? Do they fail often or is it a (near) 100% hit rate?
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In my test,
if the magnetic made it to the target, they explode very well ignoring the failure rate of the contact pin towards 90 AOB. But fail the magnetic influence did alot just getting there, look inside the .sim file while getting to the target. Now if they did, you got a big bang under the keel and that should be reflected in a larger explosion radius. It would be a gamble and make the game more interesting, though you must role play the torpedos a bit (no way to select the setting).
But for real life simulation, I do agree with the above posters...makes no difference if you are obaying orders.