What might be possible (Dream, dream, dre-ee-ee-eam - dream dream dream dream - you'll have to imagine the melody in your head yourself, because you certainly do NOT want to hear me "sing" it... ) at some point in the future, if one of us "modders" could ever figure-out how, is to add something that detectes when the boat is surfaced, the crew berthing slots have a given (current) amount of "shielding", such that they are wounded more easily, because they are exposed at their gun and deck positions. But when the boat is submerged, the "shielding" changes, and the crew is protected. However, like most aspects of the game, it does not appear that there is a relatively obvious way to implement that... sigh
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"...and bollocks to the naysayers" - Jimbuna