[2021] Need help deciding what to spend my coal on

Yoshino = Trebuchet. Long range battery and siege weapon. If you want long range bombardment, she's your gal

Kearsarge = North Carolina with a cool trick up her sleeve. Solid performer, but superstructure if a Bullet Sponge so stay back to mid-range or more.

Carnot = Brawling-ish Cruiser with some armor and some scruff.

Tulsa = A mini-Des Moines. Less armor, but less Citadel showing. Less Radar range and Less Barrels, but better Conceal and that great DM rate of fire.

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That's the sound-bite version of your menu. All-in-all, they are all good ships.

Kearsarge. While I won't enjoy the lead time on the slow North Carolina AP shells, the gameplay will be novel.

Tulsa is a high-end players ship as she is not forgiving. Carnot and Yoshino are more standard options that you may already have other ships that are similar to.