What I do:
Calm weather: magnetic, 1m under keel. Larger ships will break their back when hit dead-center.
Rough weather: impact, since passing 1m under the keel is not guaranteed because of the waves. I also tend to use 2 or 3, depending on target, when using impact.
When I do a sternshot on a straight on 180 approaching escort: always magnetic, to avoid glancing shots on the bow.
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