I just have it as a personal rule that I do not load externals unless seas are calm, and i do not load internals on the surface in very bad weather.
Also, if I am attacked mid-way through loading an external, I consider my u-boat unable to submerge. So I tend to not even try to load these if I am in a hot spot for enemy warships.
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"I wish to have no Connection with any Ship that does not Sail fast for I intend to go in harm's way." - Captain John Paul Jones, 1778
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