Lots of interesting ideas to mull over, and I have tried a few in battle.
I used to have torpedo rearm, and whilst it is highly amusing to have them ready in 59.4 seconds, with only one launcher, reload at 66 seconds will do.
I prefer a more aggressive play style, cap and hunt DDs and spot for team, so I prefer having RL - personally I haven't seen any damage increase with IFHE, but I am a casual player so haven't being able to maximize that, it is useful, but as guns are 120mm it isn't as necessary, most guides I have seen agree with that, but each to their own.
If I wasn't going to use RL, maybe DE and PM.
https://worldofwarships.eu/en/content/commanders-skills/?skills=1,12,20,23,25,28,34&ship=Destroyer