So torp cap is 1.006M (@ live server?)? Atm my torpman (lvl77, 110 vets, 200??? experts) has 840k TA. How many seconds is the difference? I have U-Flak.

I just did some tests on Kaiser server using these sailors
http://imageshack.us/photo/my-images/263/torpf.png/

The one on the left was the control sailor and the one on the right was the test sailor. I used the KM SS4 with control sailor in the front and test sailor in the rear (method similar to Invinciblor).

With 95 recruits on test sailor (True Ability of 1,004.559*), the control sailor reloaded slightly faster.
With 96 recruits on test sailor (True Ability of 1,007,281*), both sailors loaded simultaneously.

* I can't find Adelbert's post anymore so my formula might be wrong...
True_Ability = (experts + 4 * vets) * displayed_ability * total_crew / max_crew ????
I reduced the recruits on my test sailor to 35 (so as to roughly match the true ability on yours - 841,216). The difference in reloading was about 2 seconds (timed using the stopwatch on my phone - so totally inaccurate).

you calculated true ability correctly, true ability formula = (((4 * veterans number) + experts number) * ((total crew / max crew) * displayed ability)) / 1mil

Torpedo true ability reload cap mentioned by aldabert is ~850k, it was stated in this topic, that it's outdated.
It was also stated that before SS5 release, torpedo true ability cap was 1.006mil.
After SS5 release i found out with my SN SS5, that new torpedo true ability cap is ~1.01mil.


also should be interesting for you, how to calculate weight of a sailor:
when on ANY, none submarine ship = total crew * 0.5
when on SUBMARINE = total crew * 0.06

EDIT,
by my calculations your control torper weights 36.78 tons and other 22.14 tons on a sub. Very strange...