I wasn't complaining about "Divide the Plunder". Apart from the positive aspects you mention, it limits how much money you can build up in the ship's kitty. By contrast, naval officers have no such limit.True. Only a problem if you start "hoarding" your money though.
And "Divide the Plunder" mode can make for some additional interest too, so not necessarily a bad thing.
For one thing, privateers and pirates also need to obtain supplies for their ships, so that isn't a penalty specific to naval commanders. For another, you don't have to buy most of your provisions because you can get them from the ships you capture. Though for some reason merchant ships don't seem to need rum, they almost never have any in their holds when I capture them, but pirates and warships can supply free rum as well as ammo. The only supplies I need to buy regularly are planks and sailcloth, and that's because when I have a carpenter with good "Repair" skill (or have it in person), I never pay shipyards to repair the ship's damage.That doesn't get offset by the fact you still have to buy provisions then?
Seems a bit silly for naval officers to be able to get rich quick and easy.
But how to prevent that?
From the Wikipedia article on Prize money, prize money on naval ships was divided into eighths: two to the ship's captain, one to the admiral who signed the ship's orders, the rest divided between various grades of officers and crew. Of the two eighths allocated to the captain, i.e. you, one eighth could go into the ship's kitty and the other eighth into your personal money, which would have the side effect that since Fame is tied to your personal money, Hornblower would finally get some. All your officers should get a portion of the prize money into their personal accounts, especially if the idea to have them buy stuff for themselves is ever implemented. And one eighth should disappear entirely as the admiral above you pockets it. The proportions might need to be changed so that naval ships can actually sustain themselves, but the basic principle is that since naval captains don't divide plunder the usual way, it can be divided for them at the time of auction.