There was a thread about small ships and their toughness. Many such discussions occured. In GWX 2.1, magnetic torps are much more effective in my experience than in earlier versions. So they're not a bad choice. But I still prefer bow shots with impact torps. As others have mentioned, the boat's momentum then drives it under.
Stern shots are another possibility, as the stern is usually lower to the water than the bow. Middle shots are the least effective. In real life, you'd be hoping to hit the boiler room/fuel supplies and blow the ship up. Otherwise, it's the least threateing from a sinking persepctive.
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