It only happens if certain conditions are met.
It ALWAYS happens if the ship has ammo as internal cargo.
In the stock game NO merchants, NONE, have anythign but default cargo, so it is unlikely or impossible.
I cannot, even with a 25% torp increase mod tested, make a default cargo one CTD. OTOH, it always does it if I add ammo (deck or internal) to the ship's cargo.
I'm thinking it might happen for a very rare case with the default cargo (under keel shot working below forward hold?).
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