I think you're all underestimating the effects of torpedoes due to the external factors of Pearl Harbor.
Every ship that ended up settling to the ground would've been a hull loss at sea, and most of them would've sunk so fast as to make rescue of most of the crew almost impossible, especially under battle conditions.
Oklahoma capsized and lost over a third of her crew while not going under the waves completely; both West Virginia and California settled on the ground with their main deck still above the waterline, and West Virginia was also evacuated when damage control efforts proved futile; and Nevada was beached to prevent her from sinking, thereby also eliminating one of the main causes for crew loss during WW2.
Granted, a magazine hit and subsequent disintegration of a ship's structure would be immediately lethal, as can be seen from what happened to HMS Hood, USS Arizona and HMS Royal Oak.