Mann that is a long story.. you must be bored..
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As mentioned, 100% 'realism' makes the game more immersive and more dangerous for you 'and your crew'. It forces you to develop tactics, instead of being Gung-Ho.
As an example with SH3. As times got harder in the later years. I would pick off stragglers, by creating them by long shots into a convoy (To get hit's like this you could only fire at certain angles to be guaranteed a hit). It amounted to about 0-2 ships per convoy, as the ASW just loved you for hours on end.
In the end I was looking at about a 80% torp strike percentage, and was doing ok, by being very very...very cautious.
You yep... this was my realism at 100%