OK, you got some good an valid points, Baron.
What if Subs roll a preemptive surprise strike, and if a hit the casualty sink fast and can not defend.
Then all warships, trannies and aircrafts that survived in that seazone now roll for defense. I believe the usual defense numbers are too high, unless every sub mission is a kamikaze mission, so maybe everybody roll a 1 when defending against attacking subs. The AA gun rolls 1 against planes in the sky, so why not roll 1 against Subs too, they are under water after all. The Destroyer has no special ability when defending against subs. Then surviving Subs can submerge or continue attacking.
Attacking a Sub is another matter. I think only Destroyers should be able to hunt and attack Subs. To keep it historical correct, the Destroyer should attack at 2 and the Sub defend at 1
This is the most simplified system I can think off

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