http://www.navyfield.com/info/sailor/sailortree.asp?str=4
As you can see, you can class your Gunners to Torpers at level 44. You cannot buy at level sailors in the store, only Elites at either level 1 or 12, but you can browse the trade/barter area and check whether someone is selling cheap KM torpers at level.
You can consider buying elite torpers but those sailors hit the max. Torpedo cap pretty fast anyway, so sailors with a +12 Torpedo base are just fine. Oh, and reloading does not affect faster Torpedp reload. Only Torpedo ability does.
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