Hi, guys!
This is interesting! First, thank you to the OP @Stoobz for actually providing a detailed account of your issue.
I see the problem here as a problem of wording. You're upset that Radio Location does not track Submarines that are submerged because this discrepancy is not explicitly stated in the description. I think this is a fair grievance, though respectfully I think demanding free respecs over this is unreasonable. Radio Location will indicate submarines that are surfaced or at periscope depth, but not submarines that are at maximum depth. RPF is hardly "broken" as a skill over this situation as you don't radio-locate something that's underwater and that it likely the reason behind the mechanic working this way.
Let's take a look at the in-game description:
To be more precise, I believe that the description could be altered to include "surface" or "surfaced", resulting in: "...the player will have the direction to the nearest surfaced enemy ship indicated to them.", but even then it would require a lot of extra words on the description just to signify that max-depth subs are exempt to this.
Seeing as Submarines are still being tested, there are bound to be hyper-specific instances when certain mechanics and descriptions don't line up exactly. This seems to be one of them. I appreciate you bringing it up!