Quoted: Isn't the MK-48 designed to explode underneath a boat, push it to the surface, and then crack it in half by its own weight unsupported by the water?
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For surface contacts, yes.
For submarines, IIRC, the MK-48 is designed to explode in the direction where the target is sensed. If it passes underneath, it explodes upwards. If it goes over, it explodes downwards.
Now, this shaped charge is somewhat different that those used in anti-armor rounds. Under water, an explosion close-aboard is devastating on its own. To penetrate Typhoon hulls, the ADCAPs were developed with directional warheads (Typhoons are tough buggers to punch holes in). That said, I never heard of any torpedo designed to "cut" through sheet metal.
It's been a while since I had access to any of our boats, so if any of my bubblehead shipmates wish to correct this Shoe, I'm all for it.