yes, the penalty is you forgone the chance to sink ships, which gives you renowns in return (something like opportunity cost)
If you return base with unused torpedo (I sometimes leave 1 for saving myself from running into a DD lol) your renown will not be deducted. But, as what I've mentioned, your chance to sink ships and get renown is forgone and you may treat this as a renown penalty
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Romeo is here, but where is Juliet?
The 中国水兵 (Chinese Sailor) in subsim
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