Seriously dude.....play at any difficulty you want to.
In the end its for entertainment purposes only and you have to decide whats fun and what is not.
For instance, for me I try to be as realistic as possible with Manual targeting and RFB mods.......howvever at the same time I'll never get rid of external view just for the reason that occasionaly I like to go outside and look at the pretty pictures of my sub sailing by.
If that means I never get to 100% then so be it......I like my pretty submarines. (or my rusty subs as I tend to prefer the S-boats)