Couple of problems with that. That is the sinking of the HMAS Torrens, a destroyer escort protected by about 10 mm of armor on the belt, the area the torpedo would have hit.
Compare that to the USS Delaware, which had about a 280 mm armored belt. As a similar sinking we have the HMS Barham which was hit by three G7 Torpedoes. The HMS Barham had a similar belt armor to the Delaware (British battleships tended to be underarmored in comparison to the battleships of other navies, Barham was a later generation of dreadnought then the Delaware) and the G7 had a larger warhead then the Mk 48 does. Thinking the Delaware could have taken several such torpedo hits would not be an overestimation. However the Delaware would have been doomed anyway as she lacked anti-submarine systems.
Modern ships tend to react poorly to damage in comparison to their predecessors due to the emergence of active defenses like anti-aircraft and anti-missile weapons. Modern technology and naval doctrine de-emphasizes sturdiness and passive protections like armor and system redundancy in favor of agility and technology. A good example of this would be the Falklands War, where many British vessels were lost to damage that a WW1 or 2 ship would have shrugged off.
Technically the way I see it, the ship doesn't really exist until I first get into it. So I rename it and redesign it before I do that, Then keep it that way. And pretend it came that way in the first place. (After all why would should I fly a ship I don't like the look of or name?).
Yep, this is my view. I rename it and then pretend it was always called that.
Personally I name my ships after historical Royal Navy ships (some famous ones but mostly I just go down the list and pick a name I like). My Escorts are all named after Cruisers (but not Battlecruisers, that's just asking for trouble) and my Cruisers are all named after Battleships or Ships of the Line. I don't currently have any Science Vessels but I think when I do I'll name them after RN Survey Ships (which have surprisingly cool names).